Misc.Feb 10, 2019

Best way of getting credit report

What is the best way to get latest credit report. Google search says annual credit report. Is it totally safe and legit. Thanks!

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dnnjsjjl Feb 10, 2019

Your bank usually has free report.

PG&E MaxaM Feb 10, 2019

Try Credit Karma, Credit Sesame, WalletHub. All are free.

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dnnjsjjl Feb 10, 2019

Those usually sell your data.

Oscar 🐨koala Feb 10, 2019

True ans Everyone sells everyone data lol

Oscar 🐨koala Feb 10, 2019

Do you just need credit score or the whole “useless” report? For the former banks like captialone and citi offer free credit score estimate.

CVS Health Merry OP Feb 10, 2019

I was looking for the entire useless report.

Intuit b7x1s Feb 10, 2019

Some people recommend rotating such that you get one per bureau every four months, since you can only request one report per bureau in a 12 month period. That site is legit. I believe it’s federally mandated.

Google nlxS44 Feb 10, 2019

Yes. annualcreditreport.com

CVS Health Merry OP Feb 10, 2019

Thank you all. Much appreciated.

IBM oopsss Aug 21, 2019

Does getting free credit report from one of the agencies on anuualcreditreport.com hurt credit score?

Intuit r9v7ki Aug 21, 2019

No. Pulling your credit report yourself is fine. “Hard inquiries” (aka you applying for a loan, an apartment, etc) — those impact your score.

IBM oopsss Aug 21, 2019

Ohkay, thanks!