Thanks, but I'm not having much luck today. That website give me this error message...

We're sorry

A condition exists that prevents Experian from being able to accept your request at this time.

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form.

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

White House cybersecurity czar proposes replacing the SSN as identifier with cryptographically secure scheme.

https://arstechnica.com/tech-policy/...id/?comments=1

In case you missed it:

"The IRS will pay Equifax $7.25 million to verify taxpayer identities and help prevent fraud under a no-bid contract issued last week, even as lawmakers lash the embattled company about a massive security breach that exposed personal information of as many as 145.5 million Americans."


http://www.politico.com/story/2017/1...ontract-243419

I love how the media still refers to low level appointees as "czars" when they don't have power to actually change anything. But it would be nice if the US government made this change.

In related news, Poland is making strong advances in producing a national ID smartphone app that is cryptographically controlled and could be used across the EU. We'll see how that goes. It could save many millions in producing physical ID cards, but I'm sure that a lot of people will be against it.

https://phys.org/news/2017-09-poland...-id-cards.html

Something like that likely won't fly in the US--or if it does, we'll be the last to implement it (see: chip cards).

Honestly, I'd be happy if they made it so you have to manually register with the credit bureaus to get a credit file started. That way, you can set up 2FA right off the bat and easily generate one-time PIN codes for creditors when opening new credit.

My Innovis credit report finally showed up in the mail today. AmEx doesn't seem to report to them but all of my other credit lines appear on it, for what it's worth.

Did it show any inquiries? Mine had all the CC accounts (except Amex, as you noted), but showed no SP or HP inquiries.

I don't apply for cards nearly as often as some people here so I'm not sure I even have inquiries at the other bureaus, let alone Innovis. That said, I don't remember seeing anything other than the credit lines.

I took the four Experian years followed by the six Equifax years.

What happens if you don't claim your $125 Equifax money? You lose it -- and your chance to sue in the future
https://www.cnn.com/2019/07/26/us/eq...rnd/index.html
eq

Keep in mind that you can also claim money for time/money spent to freeze/unfreeze credit reports, so it may very well be over $125 that one gets back. And a lot of cards offer free credit monitoring, too, so it's not strictly necessary to go with Equifax's.

Offering free scores at regular intervals unfortunately is not the same as offering real-time credit monitoring. When you look at the following list of 12 credit cards, how many, do you think, offer actual credit monitoring?

https://www.doughroller.net/credit-c...credit-scores/

Discover does. Granted, they only look at Experian, but stuff that shows up on one eventually shows up on all of them anyway.

Don't hold your breath on getting $125. The more people that claim the less money there will be available per person. https://www.theverge.com/2019/7/26/8...t-compensation

The reason that I never signed up for Chase Credit Journey is that the company will have more frequent access to my credit than before. Same thing with Discover:

"In light of the recent Equifax breach, Discover has started offering these SSN notifications for their cardholders. In the ToS for this, it states that by participating you are authorizing Discover to pull fresh reports daily.”

https://www.reddit.com/r/personalfin..._free_service/

It’s the leverage side of it that I’m not so big on. It may be used against you when you apply.