Consumerist

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Transunion

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equifax

5 No BS Ways To Get A Credit Score For Free

Here are 5 ways to get your credit score for free. Note, all of them are the credit scores developed by the credit bureaus themselves, Experian, TransUnion, and Equifax, and are not your actual FICO scores. Only the FICO score is used by lenders to determine your credit worthiness. However, you can at least use these credit bureau scores to get a general sense of how good your credit is.

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5:54 PM on Fri Jun 20 2008
By Ben Popken
36,367 views, 58 comments

Latest by n/a: What type of attorney can be used to help correct false credit score data? I'm never going to deal with more »

class actions

Massive TransUnion Settlement To Reveal Credit Scores

Did you have a credit card between Wednesday and 1987? Great! You're part of a massive class action settlement with TransUnion. The credit reporting agency has agreed to fork out services worth over $100 to every cardholder as a way of saying "sorry for grossly violating federal privacy laws by selling your private data to businesses!" More »

11:01 AM on Sun Jun 1 2008
By Carey
20,953 views, 34 comments

Latest by n/a: @timmus: I'm reminded once again why I hate litigation attorneys. You'd rather get nothing? more »

worst company in america

Round 38: TransUnion vs Diebold

This is Round 38 in our Worst Company in America contest, TransUnion vs Diebold!Here's what readers said in previous rounds about why they hate these two companies...

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11:21 AM on Wed May 14 2008
By Ben Popken
4,650 views, 55 comments

Latest by failurate: Hating on Diebold would have some value if there was any difference from one politician to the next. /missed whole conversation more »

heroes

Leukemia Survivor Who Had Identity Stolen By Lab Tech Tells His Story

We wrote about Eric Drew a few weeks ago—his personal information was stolen by a shady lab technician while he was undergoing treatment in 2004. Even after the lab tech was convicted, Drew still had to fight with the credit reporting companies to prove he existed and to clear up his credit record, so he filed lawsuits against TransUnion, Bank of America, Chase, Citibank, Equifax and Experian. He settled with TransUnion earlier this year, and as part of the settlement they will now accept doctors' notes for the hospitalized and the elderly, as well as offer free credit freezes to victims of ID theft.
 
So why are we rehashing this? Discover magazine just published a detailed account of Drew's story, from his battle with leukemia and subsequent remission to the lengthy battle he waged against the credit industry to clear up his credit history.
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8:23 PM on Wed Apr 9 2008
By Chris Walters
4,251 views, 13 comments

Latest by n/a: @Imaginary_Friend: Agreed. The article was kind of painful to read at points but it was a cool story. more »

id theft

Leukemia Survivor Settles ID Theft Lawsuit With TransUnion; Five More Companies To Go

When Eric Drew was in the hospital being treated for leukemia five years ago, a lab technician stole his personal information and began opening up credit card accounts in his name. Drew had to fight with credit card and credit reporting companies to prove that he was a victim of identity theft, so he decided to go after them for their negligence and filed lawsuits against TransUnion, Bank of America, Chase, Citibank, Equifax and Experian. His recent settlement with TransUnion means the credit reporting agency will now "allow anyone who is hospitalized or elderly to file a claim of identity theft with a doctor's note, instead of having to provide a formal affidavit; permanently remove fraudulent information from a credit report; and offer a free credit freeze for identity theft victims."
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5:01 PM on Thu Mar 27 2008
By Chris Walters
3,255 views, 10 comments

Latest by n/a: Wow, just wow. As if cancer treatment wasn't enough, this guy also had to go through the I.D. theft more »

worst company in america

Round 11: MTV Vs TransUnion

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2:36 PM on Wed Mar 26 2008
By Meg Marco
8,589 views, 64 comments

Latest by living_with_americas_consumerism: if you don't like MTV--guess what? there are hundreds of other channels to choose from. You are forced to give more »

personal finance

How Can A Minor Get Their Credit Report?

"Why can't I get my credit report?" one of our 16-year-old readers (obviously precocious in the personal finance responsibility department) wanted to know. It seems if someone under 18 tries to get it online, say through annualcreditreport.com, they're told no. It turns out you can order your report, you just need to do it by an old-fashioned letter. You'll want to to include in your request your name, address, and Social Security number. This is good not just for go-get-em kids like our reader who want to make sure no one is buying a $40,000 boat with their credit, but also parents who want to protect their children from identity theft. The addresses for each of the bureaus follow. More »

11:05 AM on Fri Jan 4 2008
By Ben Popken
2,612 views, 18 comments

Latest by n/a: This is something that the credit card companies can EASILY fix. Just pay attention to the birthday field or something. more »

identity theft

Finding Legal Lucre In Identity Theft

A slate of companies legitimately profit from identity theft by offering services that the three credit reporting agencies refuse to make easily accessible to consumers. The Times brings us the stories of three such companies that are sucking the venture capital teat all the way to market: More »

12:14 PM on Sun Nov 18 2007
By Carey
2,753 views, 18 comments

Latest by rhombopteryx: @ibanix: "What the hell? Since when is a company stepping up to offer services that are not provided by our gov't more »

How filing a fraud alert with each of the three major credit bureaus works, as told by a blogger who recently had to go through the process. [No Credit Needed]

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identity theft

Experian, Equifax, and TransUnion To Offer Credit Freezes

All three credit reporting agencies recently announced plans to let consumers freeze their credit files. Credit freezes provide security at the cost of convenience: access to credit reports and scores is prevented without the consumer's express authorization, making it difficult to open new accounts or lines of credit. Freezes are considered one of the best, albeit drastic, ways to guard against identity theft. More »

3:15 PM on Sun Oct 7 2007
By Carey
3,076 views, 17 comments

Latest by magus_melchior: @ry81984: It's a win-win for everyone but ID thieves. Of course, why anyone would want to make things easy for more »

safeguards

TransUnion Will Let You Freeze Your Credit Report

Beginning October 15th, credit reporting company TransUnion will let consumers freeze their credit reports, which means imposters will not be able to use your credit to do things like open new phone accounts or sign up for credit cards. While this is great news, the other two major credit reporters, Experian and Equifax, are so far not offering a similar feature, although they say they're considering it. More »

9:00 AM on Tue Sep 25 2007
By Chris Walters
1,773 views, 20 comments

Latest by FLConsumer: Here's the Experian ad from page C10 (Business section) of today's NY TImes: Doesn't look like they're trying to protect my more »

Updated old Reach TransUnion Executive Customer Service post with new information: Cindy Hennessey, assistant to David Wolff, VP of Consumer Service. (312) 985-2000, press 2, dial extension 3802

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transunion

Reach TransUnion Executive Customer Service

If you haven't been able to solve your TransUnion credit report problems through normal channels, you can escalate your issue to their executive customer service team. Here's the info. More »

3:40 PM on Mon Apr 16 2007
By Ben Popken
2,867 views, 6 comments

readers

Free Credit Report Nightmare Yields New 'Screw Off!' Champ!

We think we have a new favorite "go screw" line from a company: We understand that the privacy and security of your information is important to you; therefore we cannot provide a specific reason as to why we cannot fulfill your request. That just punches a steaming hand, Fist of the North Star style, right through the sternum of our old fave, We appreciate your concerns. More »

3:20 AM on Thu Apr 20 2006
By consumerist.com
224 views, 3 comments

Latest by John Stracke: The credit agencies presumably have addresses on file for you; they should be required to (a) not send the credit more »