Forum Index  >  Off-Topic  >  Identity theft, credit monitoring services, and related item What is your experience with identity theft? (including attempted identity theft) I know someone who has been a victim of identity theft (including myself)  31%  [ 7 ] I know multiple people who have been victims of identity theft (including myself)  18%  [ 4 ] I don't know anyone who has been a victim of identity theft (including myself)  40%  [ 9 ] Cowboy Neal stole my identity and I want it back. Dammit!  9%  [ 2 ] Total Votes : 22

AJinNoHills (SoCal dude...)

Tue Sep 04, 2012 10:14 am

Clarifying info

The credit reports are not really "once a year" but rather once every 12 months. It may sound like semantics, but it's not. There really are people who would interpret once a year to mean they can get the reports in November then again in January. When really, if you get your reprots on 9/4/12, you cannot get them again until 9/5/13 (with certain exceptions).

And, while hte FTC site is good, you can alwaus go direct to https://www.annualcreditreport.com to get the 3 reports. This is the web site that the FTC mandated the credit agencies set up and maintain for ease of access. Only the report is free. The score costs money if you choose that option.

Post a Response | Reply with quote | Return To Forum

• Steps to Take If You're Concerned About Identity Theft — MandyStar, Mon Aug 12, 2024 7:20 am

• Bumping for 2012 — John, Mon Sep 03, 2012 6:39 pm

  • Completed - I do this every year — Becky, Mon Nov 05, 2012 10:26 am

  • Clarifying info — AJinNoHills, Tue Sep 04, 2012 10:14 am

  • Thanks, I had been meaning to do this — nate7723, Tue Sep 04, 2012 6:33 am

    • Report is Free, Score Costs Money — halfSpin, Wed Dec 05, 2012 1:43 pm

• If you are burglarized, assume identity theft automatically — Urban Guerrilla, Mon Aug 10, 2009 12:16 am

• Re: Identity theft, credit monitoring services, and related items... — teknokruncher, Sun Aug 09, 2009 9:35 pm

• Good info! — levchen, Sat Aug 08, 2009 4:20 pm