We did the annual free credit reports today. Transunion was arranged badly. Difficult to tell which accounts were open or closed. No useful other information. Confirmation of my identity was clunky. Forced to create an account at the site. The score fee (7.95) and skip fee were equal buttons.
Equifax grouped open and closed in sections, had info about what might be good practices, and told what total credit available was. Very nice. Bar graphs and a pie chart even! Confirmation was simple multiple choice, and no account was required. (As long as you got and printed the report in the same session). Skipping the score fee (7.95) was a small text link under two pay buttons. They said they were the cheapest score fee out there.
Experian had a quick confirm of social, then four multiple choice answers, some of which could be found on any map. Include score fee (5.95) was a grayed out but functional skip button. After confirming my information the site says “unable to give information at this time”. The options for snail mailing it were a broken form. 🙁
You may limit “prescreened” offers of credit and insurance you get based on information in your credit report.
Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at:
(Update: one year later and the spam is almost gone! We get maybe one snail-mail from credit people a week! Now was this change because of our effort or because of the failing debt industry?)
January 18, 2010 Did Transunion again
28th December, 2010 did equifax.