My signifcant other and I are looking to buy a house hopefully within the next year, so I went online the other day to get a credit report. I don't know why I ignored the funny guy singing the jingles in the commercials, but I did not opt for FreeCreditReport.com. I chose another database for one dollar and moved on.
Anyway, today I checked PNC Bank online statement and I had two unauthorized charges for some random website. I Googled it, found out these websites are notorious for scamming people and called a number. I got some strange answering machine, so tried another. I spoke with this weird representative who explained that they would immediately refund my money. It was scary and sketchy.
Just be careful.
Love,
Your Mom
3 comments:
You shouldn't ever have to pay anything for your credit report. You can request up to three reports a year (one from each agency) for free at www.annualcreditreport.com. To verify your identity, they ask all sorts of questions beyond name and ss#, like "you have a loan through x bank, how much is the monthly payment: $100-250, $251-$400...." They do charge for your credit score, though, about $8 if I remember correctly.
I usually go there and request mine on my b-day, April 15, and Dec 31.
Good luck with the house!
exactly what he/she said. i look up my free report usually once a year.
"Should've gone to FreeCreditReport.com could've seen it coming at me like an atom bomb"
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