ManxMan Posted September 21, 2020 Report Share Posted September 21, 2020 Does anyone know how to get our annual free credit report? I've been denied by all three agencies. I assume it might be because I'm applying from Mexico? I used the link provided by the Federal Trade Commission, "annualcreditreport.com" - any suggestions? Quote Link to comment Share on other sites More sharing options...
AngusMactavish Posted September 21, 2020 Report Share Posted September 21, 2020 https://www.creditkarma.com/ 1 Quote Link to comment Share on other sites More sharing options...
ManxMan Posted September 21, 2020 Author Report Share Posted September 21, 2020 16 minutes ago, AngusMactavish said: https://www.creditkarma.com/ Says I can't use it unless I'm in the US.... Quote Link to comment Share on other sites More sharing options...
AngusMactavish Posted September 21, 2020 Report Share Posted September 21, 2020 6 minutes ago, ManxMan said: Says I can't use it unless I'm in the US.... Well, I believe that may apply to the IP address of the application, I log-in weekly without a VPN. It also may mean listing your home address as in Mexico? It costs nothing to try. 1 Quote Link to comment Share on other sites More sharing options...
Mostlylost Posted September 21, 2020 Report Share Posted September 21, 2020 You need to be using a US IP address to sign up for Credit Karma after you have the account you can access from anywhere. To access your one time a year US free credit report you will need a US IP address as well. You can access your Mexican credit bureau report free once a year also. You will need to have your last credit card statement https://www.burodecredito.com.mx/ 1 Quote Link to comment Share on other sites More sharing options...
Bisbee Gal Posted September 21, 2020 Report Share Posted September 21, 2020 Do you have a US credit card? All of ours at our online accounts have a clickable Check Your Credit Score. When you do that it takes you to a screen that shows the score AND lets you click on several other options. I went to mine at Chase just now and it showed all my financial accounts/banks, etc. I could look whether there were negative remarks by any creditor. Said I could report discrepancies, etc. Also register ID theft. 1 Quote Link to comment Share on other sites More sharing options...
vetteforron Posted September 21, 2020 Report Share Posted September 21, 2020 VPN! Works for me. Plus I do as Bisbee Gal does also plus I use Credit karma. Long story short I use all. 1 Quote Link to comment Share on other sites More sharing options...
Mostlylost Posted September 21, 2020 Report Share Posted September 21, 2020 There are 3 major credit bureaus in the USA. Experian and Trans Union traditionally have had the strongest databases. Most scores you will see are generated by the individual credit bureaus information and a series of secret algorithms sold by Fair Isaac and company. Known as FICO scores. FICO has more than 50 different versions of your score that it sends to lenders. The score may change, depending on what company asks and what was important to that company in calculating your score Some are designed for mortgage lenders, some for auto lenders, some for credit card companies, etc Credit Karma, and other free websites have contracts with Trans Union and Equifax. The biggest and traditionally the most accurate, Experian is not included. Credit card companies display the bureau and type of score they use for credit decisions. Your ABC bank's ccard free score might how say 749 and your DEF bank might show a score of 695 at the same moment. Why because they have chosen a different "credit model" and or bureau for their decisions. Also your score can change from one day to the next because your lenders report their information one day a month. I remember a customer walking in proudly displaying a printout of a 730 score that was a week old. When I ran their credit the score was well under 700 because their credit balances had increased and there was a new late payment just reported. 1 Quote Link to comment Share on other sites More sharing options...
vetteforron Posted September 22, 2020 Report Share Posted September 22, 2020 There is also Vantagescore which my Chase bank uses. I seem to score lower on their system. Also if you want a high score watch your credit utilization. Thy to keep below 10%. 1 Quote Link to comment Share on other sites More sharing options...
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