Free Credit Report[dot]com is NOT free!

Mortgage and Lending

How many times have you seen that catchy commercial with the nerdy band that sings "Free Credit tell someone tell your Dad tell your Mom..." Then something about a Pirate? Probably more than you could count, right? How many times have you tried to log on to this website to get your "Free" credit report only to find out they want you to PAY for it?

Hopefully you haven't. This is one of the many scammer sites that tries to get you to sign up for credit monitoring for a monthly fee. If you are paying your bills on time, you don't need credit monitoring - more on that later. Do you want a truly FREE credit report?

The address you should be going to is 


The Federal Fair Credit Reporting Act (FCRA) mandates that all consumers be entitled to a free report once per year. The REPORT itself is free, you can get view your generic risk scores for about $7.00 per bureau.

What is a generic risk score? It means that your score is not analyzed for a certain type of loan or credit account. This score from will be different than something I would pull for a mortgage line of credit or a car dealer would pull for a car loan.  Specialized types of credit have a specific matrix that analyzes the risk for that particular type of loan.

If you do feel that your credit card has been lost, stolen or misused you are only liable for $50 of unauthorized use by Federal Law. 

For more information on what to do in the case of misuse of your card
Please check out this link to the Federal Trade Commission's website.

By checking your credit report you can see if you have old collections, tax or mechanical liens and charge offs that can lower your credit score. You can contact these companies and negotiate a way to settle the balance to improve your credit. 

If you do receive your credit report and are confused about what it means or how to improve it. Please call or email me and we can walk through it together!
Posted by



Lindsey Evans is a Licensed Loan Officer with Western Ohio Mortgage, A mortgage bank in Ohio. NMLS #282002


Lindsey Evans

Specializing in Government Loans including: RD, FHA and VA, as well as Down Payment Assistance Grants.

Lindsey is one of the youngest loan officers in a three county area and works strictly on commission. This allows her to be flexible for her borrowers and Realtors. She is also an early adopter of social media technology including QR Codes!

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Donne Knudsen
Los Angeles & Ventura Counties in CA - Simi Valley, CA
CalState Realty Services

Lindsey - Great post on why and how consumers can get a copy of their credit report and one that I will periodically blog about.  I too always advise my prospects and clients to pull their own credit report at least once a year too and will tell them don't worry about buying the score (unless they want to know). 

I let them know that the primary objective of pulling their report is just to be sure that everything being report is accurate and up-to-date.  If it's not then they need to do whats necessary to correct any errors or inaccurate reports.  It's been awhile since I've blogged about this so I'd like to reblog yours if you don't mind.

Apr 11, 2011 04:11 AM #1
Lindsey Evans
Urbana, OH

Absolutely. Please include a link to ! Thanks!

Apr 11, 2011 04:19 AM #2
Vick The Realtor .
Olympus Executive Realty INC. - Orlando, FL

Welcome! Welcome!! Welcome!!! To ActiveRain! Lots of opportunity here to generate and grow your business, have a good look around and jump in!  You can really get your name out in to the world more efficiently then any other way on the internet with ActiveRain!

ACTIVERAIN Quick facts!

  • 225 points for each blog 10 a week
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Need help drop me an e-mail, I would be more then happy to assist you.

Apr 12, 2011 04:37 PM #3
Dave Sullivan
Real Estate One - Birmingham, MI
Michigan Realtor with an investor viewpoint

Good info if you would like to watch me order my free credit report and find out how to get your real FICO score for free watch this

Jan 24, 2012 11:30 PM #4
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