The American credit report and recording system is archaic.
The faster you can intrinsically know this, the better your credit score and credit report will be. That is what's at stake... Yup, American credit score policy system is governed by an out-of-date credit law, "Fair Credit Reporting Act".(FCRA) VERY few have read FCRA, much less master the details of Fair Credit Reporting Act written in 1970. The credit bureaus leverage consumer common sense against consumers. Your effort to electronically see YOUR credit reports and credit scores from Experian, Equifax and Experian will be met with disappointment if you try online.
Annual Credit Report (seems like its a scam but is not) #POBox105281
Atlanta GA 30348
Think I hate technology? Blogging, YouTube, Twitter and Facebook and hashtags are tools. Counterintuitively, a US postage stamp is a credit score building tool as well. Because stamps and PO Boxes leverage the USA credit law, called FCRA, in your favor #PObox105281. Fair. Credit. Reporting. Act.
Stamps and PO Boxes leverage American credit law, FCRA, in your favor.
Why stamps & #PObox105281?? The 3 credit bureaus mail you a complete Equifax, Experian, and Trans Union credit reports.
Opinion-Editorial: #ExpTransFax is kinda genius for raking over consumers with a business model that brokers derogatory credit data on consumers per social security number :-)
NOTE: I, Larry Chiang, control @freecreditrepor. See, I love technology!
**** Five reasons to not get your credit report online ****
If you must do it online because you've waited 3 years to get a credit report and can't wait another week (hint sarcasm), avoid these pitfalls
** pitfall #1 **
The online identity confirmation process is not clear. If you use Duck9's way, the #PObox105281 way..., you just include your drivers license. A "photocopy"!! Not the actual license. Online is confusing because by law, they can let it be confusing. THEY = ExpTransFax. Experian, TransUnion, Equifax.
Online is a mess. FreeCreditReport dot com is deceptive. Lol, free credit reports are here and at Annual Credit Report. Deceptive trade practices = normal :(
Solution to pitfall #1: Get a basic, "#10", business envelope, print out the FTC PDF AND mail it in.
** pitfall #2 **
These boxes are misleading and trick people into paying for a credit score when they should be just giving you the free credit report.
Solution to pitfall #2: Get a #10 envelope, print out this PDF and mail it in. Plus your credit score heads into a grey area because you do not just have ONE credit score. You have a dozen credit scores*
Very difficult to print out your report online. Good luck printing out your report. The website AnnualCreditReport.com doesn't return results in a easy to read, easy-to-dispute manner. There isn't a PDF format and the results aren't importable into Microsoft word or compatible with Google docs.
The name is confusing. FreeCreditReport dot com is under FTC embargo for deceptive trade practices and is owned by Experian. It's been under investigation for violations dating back to 1999 and has been fined millions (read FTC.gov and Wikipedia).
Why does anyone connect their social security number to an email?
Why does anyone connect their social security number to a website.
Social security -> email -> database -> Internet.
The pitfall is that when you use an online service of any method, your information can be taken electronically. Stealing paper is wayyyyy harder. Stealing paper that the US postal service delivers carries much harsher penalties. US laws are written as such
"just interfering or obstructing your social sec number on a piece of paper is $2000 fine, 5 years imprissonment, or both"
Solution to pitfall #7: PayPal me $4.05 to payPal account "650-283-8008 :) and I will mail you 3 things you lazy buzztard:
a #10 envelope
- printed out PDF
and a US stamp. U fill out your name mail it in