Annual Free Credit Report? Not Free Anymore?

First of all, I am in Ohio. I wrote my letters to get my free annual credit reports and I have received a response from Equifax telling me the only way I can get a free credit report is if I an unemployed or on public welfare assistance. For all others, the charge is $11.50 now. Anyone else aware of this change? It has a list of some other states where it is free, but it says all other states pay $11.50, now.

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The Fair Credit Reporting Act is Federal legislation. I can't find anything about it being amended or repealed yet this year. What they quoted you is the eligibility to get a second free credit report in the same calendar year if I've read it right.

Equal rights for others does not mean fewer rights for you. It's not pie.
"I prefer someone who burns the flag and then wraps themselves up in the Constitution over someone who burns the Constitution and then wraps themselves up in the flag." -Molly Ivins
Never try to teach a pig to sing. It's a waste of your time and it really annoys the pig.

I am hoping it is some kind of error, but that last time I received my free copy from Equifax was September of 2014.

Here is a quote from the letter:

"You are entitled to one free credit file during any 12-month period regardless of your state of residence if you are: - Unemployed and intend to apply for employment in the next 60 days. - Receiving public welfare assistance."

It has a list of other states, where it is free, about 10 of them and a few other states were the fee is different than the $11.50 and it refers to the $11.50 as, "A reasonable processing fee..."

Go to Karma dot com

Here are the links I used. You may want to check with them again to be sure nobody has requested one within the last 12 months in your name. If they are violating the law I'm sure you can find a way to report it on the FTC website.

[www.consumer.ftc.gov]

[www.consumer.ftc.gov]

What website did you go to? AnnualCreditReport.com is free once a year.

"I told myself to quit you; but I don't listen to drunks." -Chris Stapleton

I just sent letters like I normally do, but it looks like things have changed and I will do it on the web in the future.

Discover will give you your Experian credit for free via their dashboard, whether you have an account or not. Credit Karma will give it to you weekly for the other two. Mint also gives you a free credit score quarterly when you use their budgeting software on your phone.

@LeslieKay111 wrote:

Discover will give you your Experian credit for free via their dashboard, whether you have an account or not. Credit Karma will give it to you weekly for the other two. Mint also gives you a free credit score quarterly when you use their budgeting software on your phone.

On my Discover account, it's a TransUnion credit score.

AMEX give me an Experian score though.

Shopping the Greater Denver Area, Colorado Springs and in-between in Colorado. 33 year old male and willing to travel!

@HonnyBrown wrote:

What website did you go to? AnnualCreditReport.com is free once a year.

If needed, you can technically get 3 reports a year. One from Experian, one from TransUnion and one from Equifax. Just spread them every 4 months if you want to get a credit report pulled directly from one of the three credit bureaus.

Shopping the Greater Denver Area, Colorado Springs and in-between in Colorado. 33 year old male and willing to travel!

For a free FICO score, according to the commercial on TV,---------->experian dot com slash free.

Great advice, Tarantado! I usually get all three at the same time. I will spread them out now.

@Tarantado wrote:

@HonnyBrown wrote:

What website did you go to? AnnualCreditReport.com is free once a year.

If needed, you can technically get 3 reports a year. One from Experian, one from TransUnion and one from Equifax. Just spread them every 4 months if you want to get a credit report pulled directly from one of the three credit bureaus.

"I told myself to quit you; but I don't listen to drunks." -Chris Stapleton

Some credit unions and credit cards offer the scores for free as well. NASA Federal Credit Union offers it free for members; and Chase Credit Cards offer it free for card holders.

@sojo917 wrote:

For a free FICO score, according to the commercial on TV,---------->experian dot com slash free.

"I told myself to quit you; but I don't listen to drunks." -Chris Stapleton

I get one every four months, too.

@Tarantado wrote:

@HonnyBrown wrote:

What website did you go to? AnnualCreditReport.com is free once a year.

If needed, you can technically get 3 reports a year. One from Experian, one from TransUnion and one from Equifax. Just spread them every 4 months if you want to get a credit report pulled directly from one of the three credit bureaus.

Happiness is not a goal; it is a by-product. Eleanor Roosevelt

Ehh

Just and update, my other two reports came in the mail, without any problems.

BoA offers it free. I get monthly updates and a tracking graph. They view it as a consumer education item and include info about how the score is derived and what may be influencing the score and any changes in it.

Based in MD, near DC
Shopping from the Carolinas to New York
Have video cam; will travel

Poor customer service? Don't get mad; get video.

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