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Saturday, June 05, 2010
Credit Report
After realizing that the bank had switched gears on me over night, I got suspicious. What if they had seen something in the intervening hours that made them change their minds? So I decided to go check my credit report to see if something was amiss. That is easily done by going out to annualcreditreport.com. That is the only official site where you can get your free credit reports. You are allowed one free credit report from each of the three companies per year.
But I was suspicious of them as well since they did not say in what format the "free" report would be delivered. My suspicions were confirmed. After you enter your information, they send you to a web site where your report is displayed in the browser. You do not get a file with the report in it. You cannot save the report. All you can do is print it.
Be ready with your printer! When it displays the report, it is a onetime chance for a year. If you close the browser window before you print the report, you will lose it, and you cannot get another report for free for another year.
Oh, and the credit report was fine, so I guess the banks just aren't loaning money any more.
Strange.