# time for your free annual credit report **URL:** \ **Category:** NYSpeed Off Topic\ **Created:** [September 1, 2005, 7:51am UTC](https://forums.speedlife.net/t/time-for-your-free-annual-credit-report/1955 "2005-09-01T07:51:47Z")\ **Posts on this page:** 14\ **Page:** 1
**Author:** ![duck](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/duck/32/7183_2.png) [@duck](https://forums.speedlife.net/u/duck)\ **Post date:** [September 1, 2005, 7:51am UTC](https://forums.speedlife.net/t/time-for-your-free-annual-credit-report/1955/1 "2005-09-01T07:51:47Z")
i believe this is related to the new law where you are entitled to one free credit report per year. [https://www.annualcreditreport.com/cra/index.jsp](https://www.annualcreditreport.com/cra/index.jsp) ---
**Author:** ![Jack](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jack/32/7613_2.png) [@Jack](https://forums.speedlife.net/u/Jack)\ **Post date:** [September 1, 2005, 8:05am UTC](https://forums.speedlife.net/t/time-for-your-free-annual-credit-report/1955/2 "2005-09-01T08:05:53Z")
doing it now. Looks pretty good so far. You gotta pay 5 bux for your credit score though. ---
**Author:** ![Zer0DazE](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/zer0daze/32/7624_2.png) [@Zer0DazE](https://forums.speedlife.net/u/Zer0DazE)\ **Post date:** [September 1, 2005, 8:06am UTC](https://forums.speedlife.net/t/time-for-your-free-annual-credit-report/1955/3 "2005-09-01T08:06:42Z")
its 1 free per company space them out over the year 😉 ---
**Author:** ![Jack](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jack/32/7613_2.png) [@Jack](https://forums.speedlife.net/u/Jack)\ **Post date:** [September 1, 2005, 8:10am UTC](https://forums.speedlife.net/t/time-for-your-free-annual-credit-report/1955/4 "2005-09-01T08:10:46Z")
:word: I just thought everyone was smart enough to do that. I tried Experian… they make you pay for your score… did you try a different one and was it the same case? ---
**Author:** ![Lucky\_Cheater](https://avatars.discourse-cdn.com/v4/letter/l/eb9ed0/32.png) [@Lucky\_Cheater](https://forums.speedlife.net/u/Lucky_Cheater)\ **Post date:** [September 1, 2005, 8:38am UTC](https://forums.speedlife.net/t/time-for-your-free-annual-credit-report/1955/5 "2005-09-01T08:38:09Z")
I just got mine done recently too, but thats good to know. free credit reports are cool. The other day I noticed something on my credit card bill that I didnt recognize…apparently someone was using my card number for something online…im assuming porn. it was [CCBILL.com](http://CCBILL.com) which is just a billing middle man so to speak, so I dont know what site it was…apparently I have already paid for this month, but they wont give me: [left]1: the site 2: user name 3: password If I already paid for it I should at least be able to look at some porn for my troubles.[/left] ---
**Author:** ![Geehee](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/geehee/32/7238_2.png) [@Geehee](https://forums.speedlife.net/u/Geehee)\ **Post date:** [September 1, 2005, 8:42am UTC](https://forums.speedlife.net/t/time-for-your-free-annual-credit-report/1955/6 "2005-09-01T08:42:04Z")
shut that shit down asapppppppp > [@Lucky Cheater](#): > > I just got mine done recently too, but thats good to know. free credit reports are cool. > > The other day I noticed something on my credit card bill that I didnt recognize…apparently someone was using my card number for something online…im assuming porn. it was [CCBILL.com](http://CCBILL.com) which is just a billing middle man so to speak, so I dont know what site it was…apparently I have already paid for this month, but they wont give me: > > [left]1: the site > > 2: user name > 3: password > > If I already paid for it I should at least be able to look at some porn for my troubles. > [/left] ---
**Author:** ![Lucky\_Cheater](https://avatars.discourse-cdn.com/v4/letter/l/eb9ed0/32.png) [@Lucky\_Cheater](https://forums.speedlife.net/u/Lucky_Cheater)\ **Post date:** [September 1, 2005, 8:46am UTC](https://forums.speedlife.net/t/time-for-your-free-annual-credit-report/1955/7 "2005-09-01T08:46:14Z")
credit card cancelled already…just thought I should be able to look at the porn I paid for ---
**Author:** ![chino](https://avatars.discourse-cdn.com/v4/letter/c/bcef8e/32.png) [@chino](https://forums.speedlife.net/u/chino)\ **Post date:** [September 1, 2005, 9:00am UTC](https://forums.speedlife.net/t/time-for-your-free-annual-credit-report/1955/8 "2005-09-01T09:00:42Z")
:lol: ^^ just ran mine, was waiting for this because cingular f’ed up when i canceled my account and sent my shit to a collections agency. I flipped out on them about screwing up my credit, got it cleaned up, so the report looks clean as clean can be. Lucky for them! 😛 ---
**Author:** ![Adictd2b00st](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/adictd2b00st/32/7625_2.png) [@Adictd2b00st](https://forums.speedlife.net/u/Adictd2b00st)\ **Post date:** [September 1, 2005, 9:08am UTC](https://forums.speedlife.net/t/time-for-your-free-annual-credit-report/1955/9 "2005-09-01T09:08:05Z")
> [@Jack](#): > > I tried Experian… they make you pay for your score… did you try a different one and was it the same case? yea same here…altho it is only 5 bucks i dunno i might do it anyways ---
**Author:** ![MidgeX](https://avatars.discourse-cdn.com/v4/letter/m/a698b9/32.png) [@MidgeX](https://forums.speedlife.net/u/MidgeX)\ **Post date:** [September 1, 2005, 9:35am UTC](https://forums.speedlife.net/t/time-for-your-free-annual-credit-report/1955/10 "2005-09-01T09:35:35Z")
thanks 🙂 ---
**Author:** ![walter](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/walter/32/7202_2.png) [@walter](https://forums.speedlife.net/u/walter)\ **Post date:** [September 1, 2005, 10:09am UTC](https://forums.speedlife.net/t/time-for-your-free-annual-credit-report/1955/11 "2005-09-01T10:09:29Z")
It’s a free credit report, not a free credit score. You need to get all 3, because often times one agency will pick up something the others do not. I check mine every 6 months, although I get them for free every 6 months so :-p. Twice a year is a good interval. You don’t really need to know your score, it’s more of a curiosity thing. It’s going to be different depending on the type of lender looking at it as well (mortgage, auto loan, etc). And all 3 agencies will have a different score. ---
**Author:** ![RobHimself](https://avatars.discourse-cdn.com/v4/letter/r/e480ec/32.png) [@RobHimself](https://forums.speedlife.net/u/RobHimself)\ **Post date:** [September 1, 2005, 10:26am UTC](https://forums.speedlife.net/t/time-for-your-free-annual-credit-report/1955/12 "2005-09-01T10:26:37Z")
if you get a providian visa you can get a free report anytime you want. its an ok credit card and they give me a 20,000 limit. ---
**Author:** ![SilencingMachine](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/silencingmachine/32/7593_2.png) [@SilencingMachine](https://forums.speedlife.net/u/SilencingMachine)\ **Post date:** [September 1, 2005, 10:32am UTC](https://forums.speedlife.net/t/time-for-your-free-annual-credit-report/1955/13 "2005-09-01T10:32:43Z")
> [@RobHimself](#): > > if you get a providian visa you can get a free report anytime you want. strangely that’s exactly what i was going to say… ---
**Author:** ![Lucky\_Cheater](https://avatars.discourse-cdn.com/v4/letter/l/eb9ed0/32.png) [@Lucky\_Cheater](https://forums.speedlife.net/u/Lucky_Cheater)\ **Post date:** [September 1, 2005, 10:33am UTC](https://forums.speedlife.net/t/time-for-your-free-annual-credit-report/1955/14 "2005-09-01T10:33:25Z")
If you get a checking account with overdraft from ESL they give you a credit report and go over it with you…they dont have ESL’s in Buff though do they?