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Comment by dublinben | Hacker News Reader

This is exactly why you are legally entitled to receive a copy of your credit report every year. You can challenge anything on it, and have incorrect information removed.

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When mentioning this, I find it helpful to include this page: https://www.ftc.gov/faq/consumer-protection/get-my-free-cred...

If you are one of the people just finding out about this today, and you Google "free credit report", you come up with a loooot of bad, scammy links. This is how you get your legally-mandated, really free, annual credit report, starting from an ftc.gov address so you know it's really the right one.

Credit Karma is legit and free. Also gives you your credit score and credit monitoring (all free).

(Disclaimer: I work there).

To be fair, the credit score (VantageScore 3) you provide is not the credit score (FICO) most people are interested in, and that is used for most credit decisions.

So how do they make money? Who pays you?

That had to be made explicit in law precisely because the companies don't want you to have it.

Not in the EU (or at least not in The UK where I currently live).

Yes you are, it'll cost you £6 in processing fees to go to all 3 agencies.

http://www.experian.co.uk/consumer/statutory-report.html

https://www.equifax.co.uk/Products/credit/statutory-report.h...

http://www.callcredit.co.uk/consumer-solutions/your-credit-r...

You can alternatively use the free online services:

Noddle use data from Callcredit, and Clearscore use data from Equifax - I don't think there is a free service exposing Experian data.

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