Frequently Asked Questions

How do I get my free online Experian Credit Report?

You can get your free online Experian Credit Report right here at FreeCreditReport.com when you sign up for a free trial of Triple AdvantageSM Credit Monitoring. Simply fill out your information for identification purposes, answer a few questions and your credit report will be available to you online, in seconds, once your identity has been confirmed.

Your Username and Password will enable you to view your credit report for 30 days over the Internet in the most secure environment we can provide. You will also have access to an array of benefits located in My Credit Center.

Why should I get my free online Experian Credit Report?

To stay on top of your credit, it's a good idea to check your credit report on a regular basis. Here are some of the top reasons why you should request your free online credit report today:

  • Make sure your information is accurate and ready to be reviewed by lenders, landlords, or employers.
  • To look for potential signs of Identity Theft so you can take immediate action and stop fraud in its tracks.

Which credit reporting company's credit report do I receive?

FreeCreditReport.com provides you an Experian Credit Report.

How long will my online credit report be available?

Your report is available online for 30 days. It's a good idea to print a copy for your records when you first view it.

Why am I not eligible for another 7-day free trial membership?

The free credit report with a free 7-day Triple Advantage Credit Monitoring trial membership is a promotional offer for first-time customers only. If you have already tried the program and would like to enjoy the exclusive benefits of Triple Advantage, including unlimited free credit reports and credit scores, then please click here to sign up for a paid membership.

Why didn't I get my online credit report?

Although we usually deliver online credit reports to our customers within seconds, there are some instances in which we are prohibited from doing so. These include:

  • When we are not able to verify your identity. For your security, we only deliver your credit report when you pass our online identity verification process.
  • When we are experiencing a technical issue.
  • When the credit reporting company does not return a credit report. Sometimes the credit reporting company does not have enough information to create a credit report for you.

Why am I not eligible for an additional free online credit report from FreeCreditReport.com?

The free credit report with a free 7-day Triple Advantage Credit Monitoring trial membership is a promotional offer for first-time customers only.

I've already received my free online credit report from FreeCreditReport.com. How can I get another copy of my online credit report?

If you would like to receive another copy of your online credit report, please click here to order or select one of our other credit products for a fee. You may also request a free statutory credit file disclosure from each of the national credit reporting companies through a Central Source once per year. Click here for more information.

Isn't everyone entitled to one free credit report annually?

Yes. The Fair and Accurate Credit Transactions Act (FACT Act) allows consumers to get one free comprehensive disclosure of all of the information in their credit file from each of the three national credit reporting companies once per year through a Central Source. To obtain that free report, you must go to www.annualcreditreport.com.

In addition, consumers also have the right to a free credit file disclosure directly from the credit reporting companies if (paraphrased) they:

  • are the recipient of an adverse action (for example, denial of credit) due to information contained in their credit file;
  • are unemployed;
  • are a recipient of public welfare assistance;
  • have inaccuracies in their credit file due to fraud.

For more information, please see the Fair Credit Reporting Act.

Can I get my free credit report by mail?

Your free credit report from FreeCreditReport.com is only available online. Your username and password will enable you to view your credit report for 30 days over the Internet in the most secure environment we can provide. Unfortunately, we cannot provide free credit reports by mail at this time.

 

FACTA

What is the FACT Act?

The Fair and Accurate Credit Transactions Act (FACT Act) was signed into law in December 2003. The FACT Act, a revision of the Fair Credit Reporting Act, allows consumers to get one free comprehensive disclosure of all the information in their credit file from each of the three national credit reporting companies once every 12 months through a Central Source.

Will everyone be able to get their free statutory annual credit file disclosure at the same time?

Consumers will be able to get their statutory annual credit file disclosure beginning Dec. 1, 2004.

How can I request my free statutory annual credit file disclosure?

The FACT Act required that the national credit reporting companies establish a central source though which you will request the statutory free annual credit file disclosures. To obtain that free report, you must go to www.annualcreditreport.com.

Which credit reporting company's free statutory annual credit file disclosure do I receive?

You are entitled to receive your free statutory annual credit file disclosure from each of the three national credit reporting companies: Experian, Equifax, and TransUnion. Remember, your request must be placed through the Central Source.

How often can I get a free credit file disclosure?

The FACT Act entitles consumers to get one free statutory credit file disclosure from each of the three national credit reporting companies once per year. Because of state law, residents of Georgia can receive two free credit reports per year.

Triple AdvantageSM Credit Monitoring

What are monitoring alerts?

Your Experian, Equifax, and TransUnion credit reports are monitored daily to see if key information has changed or if new data has been added. You will receive a monitoring alert if essential information has changed on your report. That way, you can identify fraudulent activity early in cases where credit activity is unfamiliar or unauthorized.

A Monthly All Clear email will be sent when no key changes have been posted to any of your three national credit reports in the past month.

How do I get my free Experian Credit Report and monitoring alerts?

You will get a free Experian Credit Report and Experian PLUS Credit Score when you sign up for Triple Advantage Credit Monitoring. Your free credit report and score will be available online, in seconds, once your identity has been confirmed. You can also conveniently purchase additional Experian credit products online and as a member, receive special members-only offers.

As a Triple Advantage member, all three of your national credit reports will be monitored on a daily basis. When key changes are detected, you will receive email and, if you choose, SMS Mobile Text messaging alerts.

How do I enroll for SMS Text Messaging alerts?

Alerts of key changes to your credit reports are always sent through email. As a member, you have the option to also receive alerts via SMS Mobile Text messaging. There are three alert emails that you may receive through SMS Mobile Text Messaging:

  1. Monitoring Alert -- This will inform you whenever a key change is detected on any of your three national credit reports.
  2. Monthly All Clear Alert -- This will inform you when no key changes have been posted to any of your three national credit reports in the past month.
  3. Score Alert-- This will inform you when an updated score has been posted to your Score Tracker. As a member, you get access to monthly score tracking so you can conveniently see how your Experian PLUS ScoreSM trends.

To begin receiving SMS Text Messaging alerts, simply log in to My Credit Center and click on the Update My Alert Preferences link.

When will I receive my first daily monitoring alerts?

If you are a new member, please note that it may take up to five to seven days from the date you ordered to be enrolled in the daily monitoring system.

Why did I only get alerts for one or two of the credit reporting companies instead of all three?

It can take up to five to seven days for you to begin receiving alerts of key changes to your credit reports from all three national credit reporting companies. Each credit reporting company will process your enrollment independently, so processing times may vary among the three companies.

Which credit reporting company's credit report does Triple Advantage monitor?

Triple Advantage monitors all three of your national credit reports from Experian, Equifax, and TransUnion. You will be notified of several important changes to any of your credit reports with email and, if you choose, SMS Mobile Text messaging alerts. You'll know about new derogatory information, recent inquiries into your credit, and several indicators of possible Identity Theft. Remember, Triple Advantage members also receive unlimited copies of their Experian Credit Report and PLUS Score after the trial period.

How do I cancel my membership?

If for any reason you are not satisfied, you can cancel anytime to discontinue your membership to Triple Advantage Credit Monitoring and stop the monthly billing. However, you will not be eligible for a prorated refund of any portion of your current month's paid membership fee. To cancel, please contact Customer Care at 1-877-481-6826.

How long will my free Experian Credit Report be available?

Your report is available online for 30 days. It's a good idea to print a copy for your records when you first view it.

ChildSecureSM

What is ChildSecure?

ChildSecure helps you protect your children from identity theft by closely monitoring your enrolled children's credit information, and alerting you if someone applies for credit or opens checking accounts using your children's personal information. ChildSecure can be added to your Triple Advantage membership for just $6.95 extra per month.

Why does my child have a credit history?

There are several legitimate reasons for your child to have a credit history. Some banks and credit card companies allow parents to add children to their credit cards. Your child might have a credit history if he or she is listed as an authorized user on your account. Similarly, some financial institutions (banks) allow minors to obtain checking accounts.

Why can't I see my child's information online?

We take you and your children's privacy and security seriously. That's why we insist upon verifying your identity before we show you any of your children's personal information such as Credit Reports. Because there is no definite way for you to prove that you are the parent or guardian of your child online, we require you to fax documentation to us as proof. Once we have received this information and verified that you are the parent or guardian, you will be able to obtain a hard copy of your child's information in the mail. That way, no else can access your child's information.

If I can obtain this information about my child's files, can't other people also obtain this information?

No. That is why you cannot view your child's information online. You must first fax in documents proving that you are the parent or legal guardian before we will send your child's credit files.

If I enroll my child, what will you do with my child's information?

When you enroll your children, we use their information to monitor their credit information. We are unable to monitor your children's personal information until you provide us with their first and last names, dates of birth, and Social Security Numbers. This information is required to verify their identities. Your children's information is safe with us, and will be used to verify their identities, and so we may begin monitoring their personal information. To learn more, please refer to our Privacy Policy.

Is my child entitled to a free Credit Report by law?

Yes. You will find instructions for requesting your child's free Credit report at www.annualcreditreport.com. For security and privacy reasons, only parents or guardians may request a Credit Report on behalf of a minor child under 13 years of age. Please note that additional identification documentation must be provided to prove you are the child's parent or guardian. Instructions for completing these requests can be accessed through www.annualcreditreport.com.

Why aren't the graphs or calculators showing up?

You must have Java installed in order to view our graphs and calculators. You may download Java free of charge at www.java.com.

Can I monitor my child without enrolling myself in this product?

No. You must be an active Triple Advantage member enrolled in ChildSecure to enjoy our valuable benefits.

How do I change the information on my report?

You may not change items in your Report unless the information is proven to be inaccurate, or you initiate a dispute process that results in updated information. For Credit Report disputes, go to your "Credit Center," then to "Dispute Information."

How can I reactivate a deactivated child?

Once you have deactivated your child from ChildSecure, you must contact our customer care team to reactivate that child. Simply call us at: 1-877-481-6826.

How will I be billed if I take advantage of ChildSecure Monitoring?

If you purchase ChildSecure Monitoring, you will be billed your regular membership fee plus the additional fee for ChildSecure (an additional $6.95/month) on your next bill date.

CardSafeTM

What is CardSafeTM?

CardSafeTM is a revolutionary new way to protect your Credit, Charge, Debit, and ATM cards in the event that they are lost or stolen. With just one click, your credit cards will be automatically registered. Enroll in CardSafeTM to ensure that your cards are registered in the event that they are lost or stolen.

How do I enroll?

With our simple one-click enrollment process, signing up couldn't be easier! Click here to visit the order page, and click the "Submit Secure Order" button. That's it! We obtain your credit card information from your Credit Report, so you don't need to enter them. If you wish to add other cards-such as your ATM or Debit card-to your account, you may do so quickly and easily on your "Card Details" page.

Where may I view my cards?

You may view your Debit and ATM cards on the "Card Details" page. We obtain your credit card information from your Credit Report, so you don't need to enter them. To navigate to the "Card Details" page, simply click the CardSafeTM link in the "Benefits" section of your Credit Center.

May I add, edit, or delete cards?

You may add, edit, and delete cards on the "Card Details" page. To navigate to the "Card Details" page, simply click the CardSafeTM link in the "Benefits" section of your Credit Center. If you wish to add a new card, simply fill in the blank fields, and save your changes. You may edit a card by clicking the edit link next to the card and making your desired changes. To delete a card, simply check the delete box next to the card and save your changes.

What should I do if my credit cards are lost or stolen?

If your credit cards are lost or stolen, please contact us immediately at: 1-866-227-3718 to speak with a Fraud Resolution Representative who will begin the process of canceling your cards.

How do I contact a Fraud Resolution Representative if I am in a foreign country?

If your credit cards are lost or stolen while you are in a foreign country, you may place an international collect call to: 1-479-573-7316 to speak with a Fraud Resolution Representative who will begin the process of canceling your cards.

What is the CardSafeTM Guarantee?

CardSafeTM offers you guaranteed registration for your Credit, Charge, Debit, and ATM cards. In the event that your cards are lost or stolen and you are a member of CardSafeTM at the time of the loss, we will quarantee reimbursement for unauthorized charges made after you've reported your missing cards to us, and for which your card issuer holds you liable. You will be required to provide our Fraud Resolution Representatives with proof of the unauthorized charges and a statement from your Credit, Debit or ATM card issuer showing the date & time the unauthorized charges occurred and amount for which you are being held personally liable for. You will also need to agree to assign your right to us to seek and recover unauthorized charges reimbursed under this Guarantee, and you will agree to reimburse us in the event you obtain recovery of any amounts paid by us hereunder. To qualify for reimbursement, you will need to provide all reasonable and necessary assistance to us in our recovery and reimbursement efforts. To report a lost or stolen card, simply call us at: 1-866-227-3718. To read more about the terms and conditions of the CardSafeTM Guarantee, click here.

Do laws limit my responsibility for unauthorized charges?

Under Federal law, your responsibility for unauthorized charges is generally limited to $50 per Credit Card and up to $500 per ATM or Debit card. The amount for which your card issuer holds you liable will depend on how quickly you report your lost or stolen cards to your card issuer. If your card issuer holds you liable for unauthorized charges made after you report your missing cards to us, we will guarantee you reimbursement for those charges.

How will I be billed if I take advantage of CardSafeTM?

At the time you purchase CardSafeTM, you will be charged $19.95 annually, and each year thereafter for the duration of your membership. You may cancel at anytime; however, you will not be eligible for a refund of your annual membership fee.

Score Tracker

How often is my score tracked?

Your score is automatically plotted on the Score Tracker once every month during your active membership.

Why doesn't the score number on the graph match the score number on my report?

Your credit score is a dynamic number based on the contents of your Experian Credit Report the moment it is requested. As creditors report new information and your existing information ages, your credit report constantly changes, often impacting your credit score. The Score Tracker displays the credit score that was calculated based on the information in your credit report on a particular date each month. If the credit report you are looking at was requested on a different date, your score could vary.

Why does my score show as "zero"/"0" under my Credit Profile?

Your credit score is displayed on your Credit Profile after you request a new credit report and score and is viewable for 30 days. After 30 days, the score data will disappear and be replaced with a "zero." Simply refresh your Credit Profile by requesting a new report and score.

Where does the Score Tracker get its information?

Your credit score on the Score Tracker is always based off data from your Experian Credit Report.

If I don't pull a report each month, will a new score appear on the Score Tracker anyway?

Yes, even if you don't pull your credit report, the Monthly Score Tracker will automatically track your score each month during your active membership.

3 Bureau Credit Report

How is a 3 Bureau Credit Report different from a single-bureau credit report?

The 3-bureau report includes your credit reports from all three national credit reporting companies - Experian, Equifax, and TransUnion. A single-bureau report contains your information on file at one of those three credit reporting companies.

Why is my credit information and score different among the three credit reporting companies?

When creditors report information to the credit reporting companies, they can choose to which company(ies) they want to report. Some report to only one, whereas many report to all three. When a creditor chooses only to report to one or two of the credit reporting companies, the remaining company(ies) will not have access to, and therefore will not include, that account information in your report.

For that reason, your credit scores may differ among your reports.

Why is it important to check my credit report & credit score at all three credit reporting companies?

When creditors, landlords, and potential employers check your credit information, they can pull your credit report and credit score from any credit reporting company(ies). Some only check one credit reporting company; some check all three. By checking all three yourself, you'll be prepared no matter which company(ies) they check.

Where can I find out how to read my 3 Bureau Credit Report?

Please read the for the 3 Bureau Credit Report.

I wasn't able to receive my 3 Bureau Credit Report or the transaction failed. Was I charged?

No, we don't charge your credit card unless your 3 Bureau Credit Report is delivered. We will not charge your card if:

  • (a) we are unable to process your request;
  • (b) you do not pass our authentication process;
  • (c) any of the three national credit reporting company systems are down.

Please note that when you complete the order process, your credit card may be authorized for a charge, but that does not mean that it has been charged.

How long does it take to get my 3 Bureau Credit Report?

After you pass our online authentication process, you will generally receive your online credit report and score within 30 seconds. However, if we are unable to automatically authenticate your identity, you will receive instructions for further verification.

Why didn't I get my online credit report?

Although we usually deliver online credit reports to our customers within seconds, there are some instances that prohibit us from doing so. These include:

  • When we are not able to verify your identity. For your security, we only deliver your credit report when you pass our online identity verification process.
  • When we are experiencing a technical issue.
  • When the credit reporting company does not return a credit report. Sometimes the credit reporting company does not have enough information to create a credit file for you.

Please note, that we don't charge your credit card until we deliver your credit report. If we are unable to process your request, we will not charge you.

How long will my 3 Bureau Credit Report be available?

Your report is available online for 30 days after it is delivered. It's a good idea to print a copy for your records when you first view it.

I wasn't able to receive my PLUS Credit Score. Was I charged?

No, we don't charge your credit card unless we can authenticate you and deliver your report. If we are unable to process your request, we will not charge you. Please note that when you complete our order process, your credit card may be authorized for a charge, but that does not mean that it has been charged.

How long will my online PLUS Credit Score and report be available?

Your report is available online for 30 days after it is delivered. It's a good idea to print a copy for your records when you first view it.

Where can I find out more about my PLUS Credit Score?

More information about your PLUS Score can be found here.

General Questions

Is the transaction safe?

Yes, the process of sending and receiving your information is encrypted using Secure Socket Layer (SSL) encryption. This technology helps ensure that your credit card and other sensitive information is protected. Preferred web browsers are: Netscape 6.05 or later, Microsoft Internet Explorer 5.0 or later, and AOL 8.0 or later.

Our company has rigorous security screening processes set up by ICSA and the credit reporting agencies, and we have also partnered with VeriSign, Inc.

What will happen to the information I enter?

The information that you provide is used to verify your identity and remains in our system. Additionally, you are only able to view your report for 30 days. (The credit reporting companies will always keep your record, of course). We do not resell or provide your credit information to any third-party marketers. Please see our privacy policy for full details about how we protect the information you submit to us.

Will ordering my credit report appear as an inquiry on my credit report?

Anytime your credit report is pulled - including when you order a copy of your credit report directly from the credit reporting company - an inquiry is added to your report. Only some of those inquiries appear to creditors and therefore impact your credit score. Inquiries that were made for credit cards or loans for which you applied will be shown to creditors. Inquiries added when you request a copy of your credit report or when an employer checks your credit report do not appear to creditors. We are pulling your credit report on your behalf, so the inquiry on your credit report will not be shown to creditors and will not affect your credit score.

However, ALL inquiries will be displayed on copies of your credit file disclosure that you order directly from the credit reporting companies' consumer assistance centers. This is done so you know who has been looking at your credit. Some inquiries on your report are accompanied by a description of why the report was pulled.

I don't have a credit card. Can I still purchase an online credit report?

Currently, we only accept credit card payments. Our system is not set up to accept checks or cash at this time. We apologize for any inconvenience.

What is the refund policy if the transaction fails?

We don't charge your card unless you get your credit report or you complete the request. If we are unable to process your request, we will not charge your card. Please note that when you complete the order process, your credit card may be authorized for a charge, but that does not mean that it has been charged.

Where is my report?

You may view the status of your orders by logging into My Credit Center.

Will my spouse's name and information appear on my report?

The credit reporting companies maintain credit files on individual U.S. residents only. They do not maintain joint files for spouses. Only accounts that are in both your names or those for which you are an authorized user will show up on your report. Therefore, your credit report is separate and different from your spouse's.

How do I dispute possible inaccuracies on my credit report?

Experian wants your credit information to be as accurate as possible. If you have reviewed your credit report and believe that the information is inaccurate, you can dispute it online for the fastest resolution. To access online disputes with Experian, go to a current online copy of your credit report and click on the link "Click here for Experian Online Dispute" located near the item you believe is inaccurate.

To request an investigation into information you don't agree with on your Equifax or TransUnion credit report, you should write directly to the credit reporting company that supplied the information. For details, please see the Dispute Information page located in the My Credit Center area.

Can I order someone else's report?

No. Under federal law, any person who knowingly and willfully obtains information on a consumer from a credit reporting company under false pretenses (for example, getting a credit report on an individual without his/her permission) shall be fined under Title 18 United States Code, or imprisoned for not more than two years, or both.

What are my rights under the Fair Credit Reporting Act?

The federal Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness, and privacy of the information in the files of credit reporting companies. Please click here for the summary of your major rights under the FCRA.

What if I forget my Username and Password?

If you have forgotten your username or password, click "Forgot your password" at the customer login page. Enter your full name, last 4 digits of your Social Security Number, and date of birth, and click "Submit". You will then be prompted to enter your mother's maiden name, and answer the question you chose as your "Reminder Phrase." If you answer correctly, you will be prompted to change your password.

What is your authentication process and what happens if I don't get authenticated instantly?

Generally, we can authenticate you online immediately after you place an order. If you order a product that is delivered instantly, and we are unable to verify your identity online, you have the option of going through further verification. We then deliver you a private access code via U.S. mail within five to seven days, which provides you full access to your report online. For your protection, if we are still unable to verify your identity, you will be referred to Customer Care. If you submit the required information, you are agreeing to purchase the report. Once your information is received, your identity will be manually verified. You will receive an email confirming the outcome within three business days. If your information is verified, your login information also will be provided in this email. You can then login at the site to view your report, which will be available online for 30 days.


Source: FreeCreditReport.com