Get A Free Weekly Credit Report From Equifax, Experian & TransUnion Through April 2021

Annualcreditreport.com is website that was set up to give consumers access to their credit reports once annually for free under fair credit reporting act  (FACTA was the specific amendment). Due to COVID-19 it’s now possible to get a copy of your credit report for free weekly until April 2021. The fact that Equifax, Experian and TransUnion can do this in the first place indicates this should be standard rather than a special exemption due to COVID-19. Keep in mind that if you dispute an item listed they have 45 days to respond, instead of the standard 30 days when a report was obtained through annualcreditreport.

Hat tip to reader Matt I

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Gadget - Bank Bonus Geek
Yu
Yu

Anyone knows if Experian really provides FREE credit monitoring service? Does the below link allow one time monitoring service for a specific period or is it for free forever? Any trick here?

https://www.experian.com/consumer-products/credit-monitoring.html

Thanks.

Gadget 🕵️ Bank Bonus Geek

William Charles Based on what I saw, the links on annualcreditreport dot com for COVID19 point to the same place as the annual report link on their site. So, your statement about 30 and 45 days is rather confusing. I stepped through the process tonight, got 2 of the 3 reports (because EQ sucks) and I don’t think the CRA is any wiser if this is your actual “free annual disclosure” or the COVID weekly report, unless they look at their soft pull dates when you submit a dispute.

Anyway, I pulled up the actual US Code, and yeah, 30 days for a dispute, and can be extended another 15 days if you submit any information during the investigation, is what I am seeing. But I am no lawyer, and not really smart either.
Ref: https://www.govinfo.gov/content/pkg/USCODE-2011-title15/pdf/USCODE-2011-title15-chap41-subchapIII-sec1681i.pdf

But yes, they could provide this service every week or every month, but the more people use their database, the more disputes and calls they get about problems or simple issues like how to print or how to interpret/read the report, which costs them money that they get no direct benefit from.

Vy
Vy

This may be useful for some of your readers but for the rest of us it’ll just fuel paranoia.

I have no need to see my credit report every week, let alone every month.

Gadget 🕵️ Bank Bonus Geek

Yes, overkill for most. But the idea behind it is because so many people are having to negotiate with their creditors, they are afraid the creditors will accidentally report late payments or negative remarks. Per the CARES act, that is not supposed to happen if an agreement with the creditor has been made. This enables people in that situation can keep tabs of how it’s being reported. Banks never make mistakes. /s

Griphook
Griphook

My credit is frozen at all 3 bureaus and they won’t let me pull a report from any of them. They want me to submit by mail. I can still do a temporary credit lift, but if I want to lift my freezes permanently, I also have to do it by mail.

How are credit bureaus legal again?

Cjrmets
Cjrmets

Is it just me or does everyone have about 10 variations of their name reported?

Juan Sanchez
Juan Sanchez

Did you ever use card match for an AMEX offer or anything where you incorrectly put your name? I read a while back those got reported to the bureaus

ieatdogfood
ieatdogfood

Have you used 10 variations of your name before?

Frank
Frank

Lol I’m guessing you tried hard to get the Amex plat from cardmatch?

SamL
SamL

Do you have to do the ID questions once, or every week?.

Joe
Joe

Anyone else having issues with equfex saying need to submit by mail??

AD
AD

Got it for Transunion, guessing because it’s frozen?

BlissfulApathy
BlissfulApathy

No, frozen reports have no impact on consumer ability to request their own report.

The truth is Equifax is just a giant turd. This is a known issue that has been around for years.

Shri
Shri

Yes. I also couldn’t froze my equifax credit online. They are asking the form to submit by mail.

credit_addiction
credit_addiction

I got the same issue with Experian. But Transunion and Equifax pass.

Frank
Frank

Same issue. It’s all a scam. “Oh we can’t verify it’s you” but somehow the last 5 credit cards I applied for were verified perfectly??

Rene
Rene

Same – for report and freeze. All while pushing their paid products — where I am sure the snail mail part is suddenly not required.

Gadget 🕵️ Bank Bonus Geek

Yes, been this way for years. I just check & monitor EQ thru CK.

Error: Online Delivery Unavailable
We are not able to deliver your free Equifax Annual Credit Report online.

Gadget - Bank Bonus Geek

I hate it when things like that don’t work, esp when I know all my info is correct and accurate on the EQ report. Just for “fun”, two weeks ago I did the mailed credit report form and documentation in hopes of clearing the annualcreditreport error when I request an Equifax report. I got the 65-page credit report in the mail today, so I hopped on ACR to try it out, to see if now it might work. Nope. “Error: Online Delivery Unavailable”

DP: Mailing in the required proof of address/identity and the request form does not help clear the online block on obtaining a EQ credit report online. It just gets you another credit report copy to shred later. FYI Frank Joe I had high hopes.

Joe
Joe

Thanks Gadget 🕵️ Bank Bonus Geek
I truly believe EQ is one big scam.
They don’t invest in a normal online service and no reason for any error

Gadget - Bank Bonus Geek

Well, I wouldn’t call it a scam, but certainly not on my list of favorite companies. When you mail in the form, it goes to the ACR people, not directly to EQ. I have a feeling it’s something on that website, that if you screw up the verification questions one time, you’re done, forever… I was hoping the mail-in request would clear the error, but it didn’t. I know for certain my verification questions were answered correctly today. But the ACR people don’t go in to clear the old flag.

Other DP’s exist saying they have the issue with EX or TU, not EQ, so it leads me to believe it’s an ACR issue…

Plus all the free credit monitoring services and CC’s have no issue finding me… so, it’s ACR that’s broke.

Gadget 🕵️ Bank Bonus Geek

Also, per the FTC dot gov website, “UPDATE: Starting in 2020, everyone in the U.S. can get 6 free credit reports per year through 2026 by visiting the Equifax website or by calling 1-866-349-5191. That’s in addition to the one free Equifax report (plus your Experian and TransUnion reports) you can get at AnnualCreditReport dot com.”
Link: https://www.equifax.com/personal/credit-report-services/free-credit-reports/

nirc
nirc

if I do this weekly, will this impact my credit score at all?

Joe
Joe

Nope