My Personal Finance Journey

Personal finance observation, musing and decisions in a journey toward financial independence by 2020 with at least $3 million.


By Topics

Overall:
0. About (10)
1. My Progress (139)
2. Car & Home (107)
3. Credit (138)
4. Banking (33)
5. Saving (49)
6. Investing (308)
7. Taxes (89)
8. Spending (74)
9. Misc (97)
A. Archive (49)



MONTHLY ARCHIVE

Feb 2014 (3)
Jan 2014 (6)
Jan 2012 (1)
Apr 2011 (1)
Mar 2011 (1)
Feb 2011 (1)
Jan 2011 (1)
Dec 2010 (1)
Oct 2010 (1)
Sep 2010 (1)
Aug 2010 (1)
Jul 2010 (1)
Jun 2010 (1)
May 2010 (1)
Apr 2010 (1)
Mar 2010 (6)
Feb 2010 (2)
Jan 2010 (7)
Dec 2009 (3)
Feb 2009 (4)
Jan 2009 (8)
Dec 2008 (1)
Jun 2008 (2)
May 2008 (2)
Apr 2008 (5)
Feb 2008 (3)
Jan 2008 (15)
Dec 2007 (32)
Nov 2007 (6)
Oct 2007 (8)
Sep 2007 (9)
Aug 2007 (24)
Jul 2007 (2)
Jun 2007 (1)
May 2007 (3)
Apr 2007 (4)
Mar 2007 (4)
Feb 2007 (13)
Jan 2007 (6)
Dec 2006 (3)
Nov 2006 (7)
Oct 2006 (7)
Sep 2006 (6)
Aug 2006 (4)
Jul 2006 (10)
Jun 2006 (1)
May 2006 (3)
Apr 2006 (2)
Mar 2006 (6)
Feb 2006 (6)
Jan 2006 (3)
Dec 2005 (1)
Nov 2005 (9)
Oct 2005 (8)
Sep 2005 (13)
Aug 2005 (25)
Jul 2005 (16)
Jun 2005 (17)
May 2005 (19)
Apr 2005 (20)
Mar 2005 (24)
Feb 2005 (23)
Jan 2005 (36)
Dec 2004 (40)
Nov 2004 (34)
Oct 2004 (17)
Sep 2004 (21)
Aug 2004 (59)
Jul 2004 (37)
Jun 2004 (31)
May 2004 (29)
Apr 2004 (52)
Mar 2004 (49)
Feb 2004 (49)
Jan 2004 (31)
Dec 2003 (48)
Nov 2003 (52)
Oct 2003 (29)
Sep 2003 (8)
Aug 2003 (5)
Jul 2003 (2)
Jun 2003 (2)
May 2003 (5)
Apr 2003 (2)
Mar 2003 (2)
Feb 2003 (3)
Jan 2003 (29)



 

Fresh Taste of Truly Free Credit Report (Equifax)

Contributed by mm | December 1, 2004 4:51 PM PST

December 1 finally comes! Today marks the first day people living in western states can order their credit reports for free from the top three consumer reporting agencies: TransUnion, Experian and Equifax. I blogged about this news six months ago and 8 days ago, and I am happy to share my first-hand experience today.

STEP 1. The jouney should start at https://www.annualcreditreport.com/. You need to select your state of residence first. Since the free credit reports are still being roll-out, residents of some states might not have access now. (Service start date: December 1, 2004 for Western states, March 1, 2005 for Midwest states, June 1, 2005 for Southern states and September 1, 2005 for Eastern states.)

STEP 2. If you live in one of these states, now you will be able to enter your bios, including name, date of birth, date of birth, social security number, current address, and, if you live in your current address for less than two years, previous address as well.

STEP 3. The next screen will allow you to choose from one of the three CRAs: TransUnion, Experian, Equifax. I chose Equifax for today's test. After some customarily warnings that you are leaving Annualcreditreport.com and entering the CRA's site, I was seamlessly redirected to Equifax.

STEP 4. I was then asked several multiple choice security questions, like which bank is financing my home, and what's the range of my monthly mortgage payment. If you are the one you claim to be, you should be able to answer these questions in a second.

STEP 5. Now, Equifax will start to get some bucks from you. The next screen will sell you your credit score for $6.95 -- you may click the "No Thanks" button to bypass this sales gimmick quickly.

STEP 6. In the next screen, Equifax allows you to add a new product "Equifax Credit Ranking" to your order as a one-time free offer. This product allows you to "see how your credit compares to national, state or zip code averages."

STEP 7. I finally got access to the credit report ... it took less than 5 minutes so I do feel the experience is good.

Without finding any red flag in my Equifax credit report, I took a look at the Credit Ranking product. Yes, this free product is pretty revealing. What it does is to compare the key numbers in your credit report to some national, state and zip code averages. Below are some highlights of national and state (WA) averages:

Total Debt (revolving, installment, mortgage, other, etc.): National: $74,559, WA $92,806
Total Credit Card Debt: National: $972, WA: $1,103
Credit Utilization: National: 15%, WA: 25%
Number of Inquiries: National: 2, WA: 2
Number of Open Credit Accounts: National: 5, WA: 5
Mortgage Payment: National: $1,031, WA: $1,070
Mortgage Balance: National: $94,951, WA: $108,913
Auto Loan Payment: National: $490, WA: $380
Auto Loan Balance: National: $10,708, WA: $11,492

As I mentioned in the previous post, probably it's best to save the free annual credit report privilege from the other two CRAs to the future. I plan leverage this service to check my free credit report every four months, and of course I will report my experience at PFBlog.com. Keep tuned!

This Post Has Received 76 Comments. Share Your Opinions Too.


Zooba Commented on December 2, 2004

You know the thing that really bothers me about this, is simply this. How many of these sites offereing this will be taking advantage of the people looking to get a free credit report.

For example FreeCreditreport.com has been around for years they advertise everywhere, yet it is nothing but a scam. They silently sign you up to a credit monitoring service, they charge you 79.95 and you really do not know about it until the charge hits your account, which since they already have your account information as part of your credit report they know the numbers to bill. How Many other sites wil be doing some kind of scam like this now. Ohh and this is legit a good search will turn up the scam, but why it continues is because it is in the fine print of the 10 page terms and conditions of use in getting a free credit report.


Texan Desi Commented on December 2, 2004

Your blog had been mentioned to me some months earlier and had been bookmarked and quickly forgotten. Now that I have my own blog and am trying to get it focussed, your phenomenal work on this effort is truly appreciated.

I have linked to this article and provided the link in the trackback. No doubt, wil be visiting this often.


Funiversity Commented on December 3, 2004

Why did you refuse to accept the offer for the FICO credit score? Wouldn't that be of interest, as that number is what every bank uses?

After I did select the option to get the FICO score AND reading the fine print, I did not see a place that they are going to charge me on an ongoing basis (at least not yet), so I thought that might be a beneficial number to have, especially if somebody is looking to apply for a mortgage or other products that are based on that number.

Thanks,

Andy Nova


mm Commented on December 3, 2004

Good question. The answer is I've already been tracking credit score via other avenues. See my monthly readings at:

http://www.pfblog.com/archives/cat_81_my_finance_credit.html


Kal Commented on December 19, 2004

They do not make it easy. Gave me a list of oil card companies and asked me to choose the one that I had that was opened in or about 1992. There were two on the list that I have had for a long time, and I guessed the wrong one.

Equifax then offered the possibility of applying by mail


Doris Kahn Commented on February 26, 2006

I have been looking all over the internet for a free credit report. All of them say they are free but then you have to pay for future credit reports. I don't want future reports - one is sufficient and I want it free.


Bennyanymn Commented on September 14, 2017

cialis pills buy medrol


MichaelNub Commented on September 14, 2017

clonidine blood pressure parameters cialis citalopram propecia merck


AlfredCaf Commented on September 15, 2017

indocin over the counter buy cipro


KennethCed Commented on September 15, 2017

fluoxetine 20 mg fluoxetine 10 mg


MichaelNub Commented on September 26, 2017

comprimate irbesartan nolvadex house for sale 89123 combo of lexapro and wellbutrin metallic taste in mouth doxycycline citalopram lundbeck zebeta ziac cymbalta printable sears coupons printable kmart coupons levitra discount pricing b12 vitamins chlorambucil and tramadol


AntioneScera Commented on December 5, 2017

viagra condom for sale
best erection pills
cialis generico online in italia
ed medications
se toma cialis 5 mg


ChrisChich Commented on December 5, 2017

erfahrungsberichte cialis 5mg
best erection pills
buy levitra cheap
ed medications
cheap uk viagra


RolandBoawl Commented on December 5, 2017

cialis 20mg rezeptfrei
ed drugs
how easy is it to get viagra from your doctor
ed medications
getting viagra germany


LouisOwete Commented on December 6, 2017

best place to buy cialis online forum
no prescription cialis
cialis c5 pill
cialis without a doctor's prescription
buy cialis canada pharmacy


JeffreyVoF Commented on December 7, 2017

sildenafil 100mg vaikutusaika
viagra pills
generic cialis viagra and levitra
viagra prices
photo of viagra pill


DeweyDrere Commented on December 8, 2017

taking two 50mg viagra
viagra pills
viagra internet order
viagra online
pastillas sildenafil 50 mg


Donaldpyday Commented on December 8, 2017

viagra 50mg versus 100mg
viagra prices
price viagra vs levitra
viagra prices
sale of viagra


Marvinhog Commented on December 8, 2017

genuine viagra online uk
viagra prices
generic viagra online 50 mg
viagra prices
duracion de sildenafil 50 mg


DesmondNicky Commented on December 10, 2017

viagra tablets for sale australia
viagra prices
sildenafil citrate 100mg woman
viagra prices
cheap viagra online


Larrypougs Commented on December 10, 2017

venta viagra generico lima
viagra cost
viagra costs per pill
cost of viagra
buy genuine viagra tablets


Lydianof Commented on December 12, 2017

payday loans
payday loans no credit check
cash advance
pay day loan


Andrewblumb Commented on December 12, 2017

viagra online apotheke test
viagra without prescription
100mg viagra does not work
viagra without a doctor prescription
viagra 100 mg 4 comprimidos precio


Isaacbib Commented on December 12, 2017

donde se puede comprar viagra natural
viagra without a doctor prescription
viagra t recubierta 4 100 mg
viagra ohne rezept aus deutschland
street viagra prices


Larrytup Commented on December 13, 2017

taking two 50mg viagra
viagra ohne rezept aus deutschland
sublingual viagra 100mg
viagra no script
does viagra get you harder


KennethBeinc Commented on December 13, 2017

how to buy generic viagra
viagra without prescription
compare viagra generic viagra
viagra without prescription
buy cheap viagra with mastercard
viagra no script
is it difficult to get viagra
viagra no script
price real viagra


WillieUsalm Commented on December 13, 2017

does 50mg viagra do
viagra without prescription
viagra 50 mg ervaringen
viagra without prescription
precio viagra 50 mg pfizer
viagra no prescription
get an online prescription for viagra
viagra without a doctor prescription
viagra 50mg vs levitra 20mg


ThomastaB Commented on December 13, 2017

generico do viagra na ultrafarma
viagra without prescription
use of viagra tablets
viagra without a doctor prescription
us viagra online pharmacy
viagra ohne rezept aus deutschland
viagra online with prescription
viagra no prescription
date of generic for viagra


EdwinRix Commented on December 14, 2017

price of viagra in boots
viagra without a doctor prescription
sildenafil citrate tab 100 mg
viagra without prescription
cheap viagra
viagra without prescription
there generic viagra usa
viagra without prescription
cheap viagra online pharmacy prescription


Edwinslups Commented on December 14, 2017

buy 100mg viagra
viagra without prescription
how to order generic viagra online
viagra without a doctor prescription
viagra online spedizione rapida
viagra no script
can i take 150 mg viagra
viagra without a doctor prescription
overnight shipping viagra online


StevenBup Commented on December 15, 2017

viagra generico vendita line
viagra without prescription
how do i get free samples of viagra
viagra without a doctor prescription
generic sildenafil 20 mg
viagra no prescription
buy viagra high street
viagra without a doctor prescription
sildenafil 50 mg nombres comerciales


Michaelmaf Commented on December 15, 2017

best online site to buy generic viagra
viagra without a doctor prescription
cheapest viagra pills
viagra without prescription
can anyone buy viagra
viagra no script
female viagra pills india
viagra no prescription
can you buy viagra over the counter in london


Robingof Commented on December 15, 2017

buy viagra india online
viagra without prescription
can you order viagra from canada
viagra without prescription
kann man viagra online kaufen
viagra ohne rezept aus deutschland
viagra long does last 100 mg
viagra no prescription
best place to buy viagra in sydney


BruceZep Commented on December 16, 2017

buy viagra sweden
viagra without prescription
viagra vendita online
viagra without prescription
will fda approved generic viagra
viagra ohne rezept aus deutschland
gute online apotheke viagra
viagra no prescription
buy viagra london over counter


RogerThevy Commented on December 17, 2017

cvs pharmacy online viagra
viagra without prescription
best price on line viagra
viagra without a doctor prescription
how to get prescribed to viagra
viagra without a doctor prescription
comprar remedio viagra
viagra no prescription
order pfizer viagra online


Michaelrhype Commented on December 17, 2017

cheapest viagra sale
viagra without a doctor prescription
sildenafil citrate generic women
viagra without prescription
generic vs original viagra
viagra no prescription
viagra prices at boots
viagra no script
cheap generic viagra uk


Rosettaknops Commented on December 18, 2017

payday loans online
payday loans
payday loans online
payday loans online


Coreycip Commented on December 19, 2017

get viagra free trial
viagra cheap
viagra cialis buy online
viagra cheap
malaysia viagra online


StaceySwoks Commented on December 19, 2017

getting emails myself viagra
viagra cost
can you use viagra get pregnant
cheap viagra
order viagra overnight shipping


ShawnBop Commented on December 19, 2017

warum wurde die pille viagra in polen verboten
viagra without prescription
cheap viagra alternatives
viagra without prescription
can get viagra performance anxiety
viagra ohne rezept aus deutschland
bebidas energeticas y viagra
viagra without prescription
how to get viagra on prescription


Bryanpaurb Commented on December 19, 2017

viagra online south africa
viagra prices
where to get viagra in phoenix
viagra price
can you buy viagra from canada legally


AllenDealp Commented on December 20, 2017

cash advance in california
http://connectedexperts.com/component/k2/itemlist/user/16156
personal loans michigan
first cash advance hours
quick and easy money
http://www.snowboard-pfalz.de/index.php/component/k2/itemlist/user/116558
how to make some fast cash
cash advance miami
personal loan calculators
http://unisonuclh.org.uk/?option=com_k2&view=itemlist&task=user&id=52790
places to get a loan with bad credit
direct deposit loan
loans for single moms
http://organicfoundation.in/?option=com_k2&view=itemlist&task=user&id=97356
direct payday loan lenders only
no interest payday loans
loans for rent
http://www.eccp.cn/index.php/component/k2/itemlist/user/178339
american loan
personal loan criteria
quick easy loans bad credit
http://fendian.com.co/component/k2/itemlist/user/30126.html
unsecured personal loans bad credit direct lenders
payday loans salt lake city
online payday direct lenders
http://czib.ru/?option=com_k2&view=itemlist&task=user&id=71713
payday loans surrey b c
cash advance direct lenders
pay day loans direct lenders
http://www.waper.es/?option=com_k2&view=itemlist&task=user&id=15154
small loan
pay day lending
can i get a loan with bad credit
http://izicool.com/?option=com_k2&view=itemlist&task=user&id=14864
secured loan bad credit
bank personal loans bad credit
how to apply for personal loan
http://gamepointsc.com/?option=com_k2&view=itemlist&task=user&id=2361311
payday loans lenders only
online payday loans california


DavidAtown Commented on December 20, 2017

buy cialis mexico
order cialis online
cheapest brand cialis
cialis online
cialis pills women


Eugeneadape Commented on December 21, 2017

buy cialis no prescription canada
order cialis online
cheapest cialis price
cialis online
cialis sale no prescription


ShannonPaics Commented on December 21, 2017

is it safe to order cialis online
cialis online
buying cialis online in canada
buy cialis online
cialis pills for sale


Faithbuine Commented on December 22, 2017

payday loans no credit check
payday loans online no credit check
payday loans no credit
payday loans online no credit check


EdwardVof Commented on December 22, 2017

buy cialis brand
buy cialis
cheap cialis online
order cialis online
the cheapest generic cialis


RonaldIcere Commented on December 23, 2017

discount levitra online
levitra
buy levitra cheap online
vardenafil
order levitra super active oo
vardenafil 20mg
buy cheap levitra canada
vardenafil 20mg
levitra cheap


CarolynmiG Commented on December 23, 2017

payday loans no credit
payday loans online no credit check
payday loans no credit
payday loans online no credit check


ThomasGog Commented on December 24, 2017

buy levitra canada online
vardenafil
cheapest levitra professional oo
vardenafil 20mg
best website buy levitra
vardenafil
cheap viagra levitra cialis
vardenafil
is buying levitra online safe


LionelQuavy Commented on December 25, 2017

buy cheap cialis today
cialis generic
generic cialis on sale
cialis generic
cheapest cialis online canada
cialis prices
buy viagra cialis or levitra
cheap cialis
cheap canadian cialis online


Douglasjesee Commented on December 25, 2017

buy cialis johor bahru
buy generic cialis online
can cialis pills cut half
cialis generic
best place buy generic cialis online
cheap cialis
cheap cialis prices canada
cialis prices
buy cheap cialis in australia


DanielVow Commented on December 26, 2017

when to take viagra pill
buy viagra online
using cialis viagra together
viagra online pharmacy
besten viagra generika
viagra online pharmacy
where to buy viagra in vancouver
online viagra
can buy viagra internet


Gregoryfeard Commented on December 26, 2017

is generic sildenafil real
viagra online
the best place to buy viagra online
viagra online
can u get addicted viagra
online viagra
sildenafil price nz
viagra online pharmacy
how do i get real viagra


JeffreyBox Commented on December 26, 2017

what do cialis pills look like
cialis prices
cialis pills amazon
cialis price
generic cialis cheap india
cheap cialis
cheap cialis uk online
cialis price
cialis pills amazon


SusanTus Commented on December 28, 2017

casino games
free casino games
free casino games
free casino games


JoshuaVut Commented on December 28, 2017

order for viagra
viagra without presciption online
compare prices of viagra
viagra without a doctor prescription online
sildenafil forte 100 mg
viagra price
buy viagra prague
cheap viagra
50mg viagra enough


Scottnen Commented on December 28, 2017

viagra rezeptfrei online apotheke
viagra without a doctor prescription
pra que serve pramil sildenafil 50mg
viagra without a doctor prescription
buy viagra online from usa
viagra cost
cheap viagra prescription online
viagra cheap
truth about generic viagra


SarahDrags Commented on December 28, 2017

free casino games
casino online
casino online
free casino games


WilliamRovof Commented on December 30, 2017

best online casino bonus
casino
online gambling legal ny
online casinos
deposit bonus casinos bingo


Edwardsib Commented on December 30, 2017

online casinos accepting checks
casino
download slot games
casino online
usa gambling websites


FrankEvato Commented on December 30, 2017

free casino games
online casino
casino online
casino games


Barbaraantek Commented on December 30, 2017

free casino games
real money casino
casino games
casino online


Teresajew Commented on December 31, 2017

real money casino
real money casino
casino online
casino online


Nancyjaw Commented on January 1, 2018

online casino
online casino
real money casino
casino games


Georgewrirm Commented on January 3, 2018

casinos en usa online
casino online
casino online paypal canada
casino real money
online roulette using paypal


Aprilwrobe Commented on January 8, 2018

free slot games
free casino slots
slots casino games
free slots no download


Mariamus Commented on January 8, 2018

online casino games
casino slot games
free casino games
casino games slots free


Ronaldbiafe Commented on January 13, 2018

how long does 50mg of viagra last
order viagra online
get up without viagra
buy viagra
how to buy viagra safely
best price viagra
how many mg of viagra
lowest prices on viagra
when does sildenafil go generic


Johnnydroro Commented on January 15, 2018

buy cialis vs viagra
buy cialis
buy cialis pills online
cheap cialis
buy cialis tablets uk
generic cialis
can you order cialis online
cialis without a doctor's prescription
pharmacy has cheapest cialis


MatthewDrync Commented on January 17, 2018

free online slots
free slot games
casino games slots
free online slots


PatrickFeado Commented on January 18, 2018

can cialis pills be cut
buy cialis
buy viagra cialis levitra.php
cialis online pharmacy
cialis sale online australia
cialis cost
cialis buy us
cialis cost
buy cialis germany


ParisBom Commented on January 18, 2018

autocad to jpg online
autodesk student
autocad produced by an autodesk educational product
autodesk inventor
upgrade autocad lt to autocad
download autocad
autocad 2017 licence key
download autodesk autocad
request code autocad 2011


Logannup Commented on January 19, 2018

autodesk autocad mechanical 2012 product key
autodesk inventor
autocad 2000i serial number cd key
autodesk student
autocad 2017 full 64 bits
autocad
online drafting jobs autocad
auto cad
cost of autocad 2013 software in india


Thomasjed Commented on January 19, 2018

autocad visor online
autodesk maya
autocad civil 3d 2011 price
autodesk maya
autocad kurs online
download autocad
download autocad 2017 software full
autocad
download autocad inventor student


EdwinOthes Commented on January 20, 2018

buy cialis soft tabs
cialis online
buy cialis dapoxetine
cialis prices
blood pressure pills cialis
tadalafil generic
cialis pills from canada
generic cialis at walmart
cialis and viagra for sale


Add Your Comments










Remember personal information?




(It will take a few moments for your comment to be published. Please do not close the window until then.)


Read More ... 138 Posts In The Same Category










This page was last rebuilt at January 20, 2018 08:33 AM PST. (541 Words)
 

RSS FEED





PERSONAL FINANCE BLOGS I READ

Consumerism Commentary
Get Rich Slowly
My Money Blog
All Financial Matters
The Simple Dollar






.



Copyright 2003-2014, PFBlog.com. All Rights Reserved. (Privacy Policy)