# Free annual credit report from the big 3

**URL:** <https://forums.speedlife.net/t/free-annual-credit-report-from-the-big-3/20792>\
**Category:** NYSpeed Off Topic\
**Created:** [November 28, 2006, 12:10pm UTC](https://forums.speedlife.net/t/free-annual-credit-report-from-the-big-3/20792 "2006-11-28T12:10:52Z")\
**Posts on this page:** 6\
**Page:** 1

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**Author:** ![Daddie](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/daddie/32/7621_2.png) [@Daddie](https://forums.speedlife.net/u/Daddie)\
**Post date:** [November 28, 2006, 12:10pm UTC](https://forums.speedlife.net/t/free-annual-credit-report-from-the-big-3/20792/1 "2006-11-28T12:10:52Z")

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And this is legit, no signing up then cancelling and shit.

> **[Free Credit Reports](https://www.consumer.ftc.gov/articles/0155-free-credit-reports)**
>
> How, why, and when to order copies of your free annual credit report.

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**Author:** ![Blue\_Eyed\_Devil](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/blue_eyed_devil/32/7292_2.png) [@Blue\_Eyed\_Devil](https://forums.speedlife.net/u/Blue_Eyed_Devil)\
**Post date:** [November 28, 2006, 12:19pm UTC](https://forums.speedlife.net/t/free-annual-credit-report-from-the-big-3/20792/2 "2006-11-28T12:19:16Z")

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Side note: Everytime a credit report is requested, your credit rating goes down a bit,  
I am not sure just how much though.

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**Author:** ![87FOXGT](https://avatars.discourse-cdn.com/v4/letter/8/ecd19e/32.png) [@87FOXGT](https://forums.speedlife.net/u/87FOXGT)\
**Post date:** [November 28, 2006, 12:22pm UTC](https://forums.speedlife.net/t/free-annual-credit-report-from-the-big-3/20792/3 "2006-11-28T12:22:19Z")

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I believe its 5-7 point drop. Worth it though to make sure everything is in order.

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**Author:** ![Daddie](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/daddie/32/7621_2.png) [@Daddie](https://forums.speedlife.net/u/Daddie)\
**Post date:** [November 28, 2006, 12:29pm UTC](https://forums.speedlife.net/t/free-annual-credit-report-from-the-big-3/20792/4 "2006-11-28T12:29:34Z")

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> [@AWDrifter](#):
>
> Side note: Everytime a credit report is requested, your credit rating goes down a bit,  
> I am not sure just how much though.

Different type of “requests”

Soft requests are like the ones that are run multiple times a year

Hard requests are the ones that are run when you apply for a loan.

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**Author:** ![Fry](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/fry/32/7284_2.png) [@Fry](https://forums.speedlife.net/u/Fry)\
**Post date:** [November 28, 2006, 12:33pm UTC](https://forums.speedlife.net/t/free-annual-credit-report-from-the-big-3/20792/5 "2006-11-28T12:33:52Z")

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What a phenomenal idea!

[http://www.nyspeed.com/forums/showpost.php?p=385471&postcount=64](http://www.nyspeed.com/forums/showpost.php?p=385471&postcount=64)

Howie’s right, just looking at the information on your credit report does not drive down your credit score.

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**Author:** ![JDMSIR](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jdmsir/32/7376_2.png) [@JDMSIR](https://forums.speedlife.net/u/JDMSIR)\
**Post date:** [November 28, 2006, 12:46pm UTC](https://forums.speedlife.net/t/free-annual-credit-report-from-the-big-3/20792/6 "2006-11-28T12:46:27Z")

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I did it but its 7.95 to get your score.