7. Credit Reports
Worried about your credit report? Then you might feel compelled to keep checking it frequently. The bad news is that you’ll have to pay up, at least in most cases. The good news is that you can get a free credit report every 4 months by using all three credit-reporting agencies, Experian, Equifax, and TransUnion.
However, not many people know that there are other circumstances in which you can get a free report thanks to the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).
Your state’s law may provide a free credit report. You may also request one if you are unemployed and intend to apply for a job within 60 days or if you receive public welfare assistance. If you’re requesting one in connection with placing a fraud alert on your report, you can do so for free.
If a company has notified you that it took adverse action against you in the past 60 days, again, you can request a free report. Adverse actions include denying you insurance, credit or employment based on your credit report.
44 Responses
Great informative article & format!
I thank you.
Wow!! LOVE YOU!! ❤️ ALL THESE info.helps to know! Now!! I have to tell my hubby! REALLY GREAT INFORMATION 👍 👌!
As whenever you get the information, please send it to me I would appreciate it
A very enlightening article with many good tips Thank you.
Tell me where I may go to a museum for free, please.
Where may I go for a free meal for seniors at anytime, please.
Maybe you could check into “Get out and dine”. You have to apply for it but if you qualify, you get a card where you can dine out 5 times a month. They send you a brochure listing restaurants that accept the card. I love mine!
These tips are amazing and extremely helpful. Thank You so much
Very good informative n made me think why am I paying for extra?
I am glad to see I was already aware of these opportunities, but you provided a nice service for “newbies.”
How do I apply for free streaming services?
Thank you very much
Thanks for sharing this valuable information. I never would’ve known. Priceless!
Where do I go for recreation and free meals
I think I found ways to go free!!
Good information, but I’m curious about one statement contained in the article. In item 24 titled Water, we find this sentence referring to reusing a water bottle – “Oh and you’ll not only save money by doing so, but you’ll be helping the planet out by keeping fewer plastic water bottles out of landfills.” If we keep fewer plastic bottles out of the landfill, that means there are more going into it. My question is, how are we helping the planet by infusing more plastic bottles into landfills?
It’s not the bottles in the land fill that’s the issue it’s the resources used to manufacturer, ship , retail, dispose of , truck to the land fill, equipment at land fill, and the fuel used by the equipment operator to get there!
Comments on which subject?
Great!
Thanks for doing something like this for us “Old Folks”..
I would like information about which National Parks are free for seniors (over age 66)
Why in some states the internet, phone and tv are only $10.00 a month for seniors. Dental implants are not offered to us, claiming it is classified costemtic surgery?? yet several people have had chocking while eating?? We need to fight for the things we need. Hey, I have fought all my life cause I have never been married??? It isn’t fair at all. Nothing is being done for us enough. Were is the power of the senior and we can win for the items we want???
how do you get dollar store one dollar coupons
What about flooring for an apartment per Doctors orders but landlord refuse to pay to remove carpet for non leaking flooring which cost abut $8000. Is there a grant from the government? For 95 year olds & 65 year old handicapped seniors
Thank you
Thank you grate information
Anything will help these days 😊
Thank you for all the information it is very helpful
All that ain’t worth getting old for.
The Discover Card automatically posts your credit rating on its monthly bill!
Please add me to the birthday meal
Thanks for the list.
Thank you for the list.
Which cards are these?
I would like a printout
good information
so??????/ Don’t Pay for These 26 Things! Here’s How to Get Them for Free!
WHAT ARE THEY
ARE THEY OF ANY REAL USE TO ME
A penny saved is a penny earned 😄 !
Thank for your help. Very utility information.
did you give some information for seniors,or stealing personal info
I’m interested in anything that’s free for seniors.
excellent
I wrote four down that I know I will use. Thank you for sharing the information with us!