Safest place to order my credit report from all three bureaus (not free)?
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Best and cheapest place to get credit scores from all three credit bureaus without getting on some crazy subscription that makes it difficult to cancel?It's been less than a year since I got my free report, but I need to get an updated one now. I last got my credit report August 2011. I need a new one from all three bureaus. Last time I tried purchasing something from Experian, I accidentally signed up for a reoccurring subscription. Actually, didn't really, it was very scammy and they didn't inform me of reoccurring billing until after the transaction was complete, and it was in fine print of the confirmation email (I know this, because I re did the order process later on just to make sure I wasn't remembering wrong and nothing in the order process indicated there would be reoccurring billing.) Canceling was extremely difficult, and I only got my money from the additional billing refunded after I threatened to do a charge back. I've heard this happens at the credit bureaus all the time, so is there a safe way I can get my report and NOT get scammed into some "monitoring" service? I really need it as a one time thing and that's it.
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Answer:
Looks like http://www.equifax.com/cs/Satellite/EFX_Product_C1/1162298924870/5-1/5-1_Layout.htm?packedargs=Locale%3Den_US and it's explicitly stated that they're one-time reports. This seems like your best bet, since you had problems with Experian and TransUnion doesn't seem to offer one-time reports (or if they do, the obfuscate it way too much).
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Other answers
Do you need your scores or your reports? You can get free reports at https://www.annualcreditreport.com/cra/index.jsp (this is the official government-sanctioned free credit report site). If you need scores, the only official way to get them is at http://www.myfico.com/. This gets you BOTH scores and reports and they're $14.95 each (so $14.95 x 3 if you want to get all three bureaus). There is usually a discount code floating around, I'll see if I can get a current one for you.
rabbitrabbit
OK, here's the current 20% off code: BDAYMAY2012FS And it looks like the prices have gone up since I last pulled FICO scores -- the price for each bureau is $15.96 with the 20% off code. Steep. Hopefully you actually only need (free) reports.
rabbitrabbit
rabbitrabbit, you only get free reports once a year. Once per bureau per year.
nat
Seconding rabbitrabbit: your reports are free (one per agency per year, unless you report fraud), but your scores are not free. The only reason I can see to ask for scores is if you're planning to apply for a major loan and want to know the interest rates for which you're likely to qualify. If you think something is odd, and you want to check for possible fraud or errors, the report is all you need.
brianogilvie
Ok, perhaps I need to be more clear; the OP has gotten their reports too recently to use annualcreditreport.com again. So, myfico.com looks useful; but is there a version of that which is cheaper and doesn't give you scores (assuming the OP only needs the reports)?
nat
OK, yeah, whoops, I am bad at math and dates, I totally read that and though, hey! It's been more than a year! Sill me. You should still be able to get the two you didn't buy in 8/2011 via annualcreditreport.com if I read you correctly and you only purchased from Experian last August. But if you need scores, those come with reports anyway and there's no way to get free scores so you're probably looking at myfico.com and about $48 for all three. And myfico will not rope you into a subscription -- it's very straightforward to just buy one-time scores.
rabbitrabbit
Creditkarma.com. Just gives you your score, no other info. But it's totally free.
PhoBWanKenobi
That is correct, I only need the reports. But because I got them 9 months ago, I can't get them free again.
[insert clever name here]
On reviewing the OP's post, I think both rabbitrabbit and I were thrown by the OP's opening sentence: "Best and cheapest place to get credit scores from all three credit bureaus..." (emphasis added). When I wanted to get my credit scores before applying for a mortgage, I used MyFico.com. I thought it was straightforward and I didn't end up being billed for any services I didn't want. However, as with any online transaction, it's best to read all the fine print carefully, especially connected with any radio buttons or checkboxes that may be preselected.
brianogilvie
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