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I went to annualcreditreport.com to get my credit report, and it is saying I've already used another website to my credit reports – but the last time I used that website was 2009. Can I still get my credit reports mailed to me, or do I have to wait until next year to get them?
June 16th, 2010 - Posted by Tasha
Q: I went to annualcreditreport.com to get my credit report, and it is saying I've already used another website to get my credit reports – but the last time I used that website was 2009. Can I still get my credit reports mailed to me, or do I have to wait until next year to get them?
A: I'm not clear about what type of error message you received at annualcreditreport.com, but it seems you may have already received your free credit reports from another website. This can happen if you have already requested your free credit reports from the 3 credit bureaus (Experian, Transunion and Equifax).
Basically, annualcreditreport.com is directly accessing each of the 3 credit bureaus to retrieve your free credit report. In fact, they literally send you to each of the 3 credit bureaus' websites. The credit bureau then accesses your records, and can see if you've already received your free report. If you've gotten one in the last 12 months you won't be able to get another until that 12 month period is up.
We actually strongly recommend that you sign up for one of our top reviewed credit report monitoring services. This is because your credit report is just a snapshot in time of your credit history. It can change 5 minutes after you get your free copy, and you wouldn't know about it until you got your next free one in a year.
Credit report monitoring services will actively and constantly monitor your credit history, and update you if there are any changes. This is the easiest and least expensive way to know exactly what's going on, and to be alerted if there are any potentially negative changes.
7 Responses to “I went to annualcreditreport.com to get my credit report, and it is saying I've already used another website to my credit reports – but the last time I used that website was 2009. Can I still get my credit reports mailed to me, or do I have to wait until next year to get them?”
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