0 Cost Credit Report

FAQ

Free Credit Report / CreditCheck Monitoring Service Answers

How do I view my free credit report and monthly monitoring alerts online?

When your free online credit report is ready, you will receive an email containing instructions on how to view your credit report.

Your Username and Password will enable you to view your credit report and future monthly monitoring alerts over the Internet in the most secure environment possible. They give you instant access to an array of members-only benefits located in My Credit Center.

Why do I need a valid credit card for a free credit report?

The free online credit report is a gift from us when you try the CreditCheck Monitoring Service. Because we are signing you up for a membership in the CreditCheck Monitoring Service, we need to verify your credit card information before we can process your order. We will perform an authorization on your credit card, to make sure it is valid and in good standing, but we do not bill your card until the 30-day free trial period has passed.

Which bureau’s credit report does the CreditCheck Monitoring Service monitor for me?

The CreditCheck Monitoring Service monitors your Equifax credit report and notifies you of several important changes to your Equifax credit file with Online Monthly Monitoring Alerts. You’ll know about new derogatory information, recent inquiries into your credit, and several indicators of possible credit fraud. (Customers who choose mail delivery will receive a printed Quarterly Monitoring Alert by mail.) The CreditCheck Monitoring Service also includes free copies of your Equifax report anytime during your membership.

How do I cancel my membership?

Isn’t it nice to know you have the security of a money-back guarantee when you order the CreditCheck Monitoring Service? If you try the service and decide it is not for you, please contact our Customer Care Center toll free at 1 (877) 513-4268. Your credit card will NOT be charged if you cancel during the free trial period. If you decide to cancel after your free trial ends, you have 180 days from the date you were billed to receive a pro-rated refund of the current year’s membership fee.

3 Bureau Online Credit Report Answers

Where can I find out how to read my 3 Bureau Online Credit Report?
Please read the User Guide for the 3 Bureau Online Credit Report.

I wasn’t able to receive my 3 Bureau Online Credit Report. Was I charged?

No, we don’t charge your card unless you receive your credit report. If we are unable to process your request, we will not charge your card.

How long does it take to get my 3 Bureau Online Credit report?

You will generally receive your online credit report in 30 seconds. However, if we are unable to automatically authenticate your identity, you will receive instructions for our manual identity verification process.

Credit Score Answers

Where can I find out more about my Credit Score?
More information about your Credit Score can be found here or at our partner site, Airpaio Got To Go!

I wasn’t able to receive my Credit Score. Was I charged?

No, we don’t charge your card unless you get your credit report online. If we are unable to process your request, we will not charge you. Please note that when you complete our order process, your credit card may be authorized for a charge, but that does not mean that it has been charged.

How long does it take to get my Credit Score?

Your Credit Score is calculated within seconds, as long as we are able to locate your credit report. However, if we are unable to automatically authenticate your identity, or your report cannot be located, there may be a delay.

Instant Single Credit Report Answers

Where can I find out how to read my Instant Single Credit Report?
The User Guide for the Instant Single Credit Report can be found here.

I wasn’t able to receive my Instant Single Credit Report. Was I charged?

No, we don’t charge your card unless you get credit report. If we are unable to process your request, we will not charge your card.

How long does it take to get my Instant Single Credit report?

You will generally receive your online credit report in 30 seconds. However, if we are unable to automatically authenticate your identity, you will receive instructions for our manual identity verification process.

General Answers

Is the transaction safe?
Yes, the process of sending and receiving your information is encrypted using Secure Socket Layer (SSL) encryption. This technology helps ensure that your credit card information is protected. Preferred web browsers are: Netscape 3.0 and later or Microsoft Internet Explorer 3.0 or later.

Our company has passed the rigorous security screening processes set up by ICSA and the credit reporting agencies, and we have also partnered with VeriSign, Inc. To read more about our security measures, see our security page.

What will happen to the information I enter?
The information that you provide is used to verify your identity. This information remains on our secure database to ensure confidentiality of your request. Additionally, we remove the credit report from our database after 30 days. (The credit reporting agencies will always keep your record, of course). We do not resell or provide your credit information to any third-party marketers. Please see our privacy policy for full details about how we protect the information you submit to us.

Will receiving my credit report through QSpace.Com appear as an inquiry on my credit report?
Anytime your credit report is pulled – including when you order a copy of your credit report directly from the credit bureau – an inquiry is added to your report. Only some of those inquiries appear to creditors and therefore impact your credit rating. Inquiries that were made for credit cards or loans for which you applied will be shown to creditors. Inquiries added when you request a copy of your credit report or when an employer checks your credit report do not appear to creditors. QSpace.Com is pulling your credit report on your behalf, so the inquiry on your credit report will not be shown to creditors and will not affect the calculation of your credit score.

However, ALL inquiries will be displayed on copies of your credit report that you order from any of the credit bureaus. This is done so you know who has been looking at your credit. Some inquiries on your report are accompanied by a description of why the report was pulled. For example, the QSpace.Com inquiry is called a “Disclosure,” which means it was ordered for your information.

I don’t have a credit card. Can I still purchase a credit report?
Currently, we only accept credit card payments. Our system is not set up to accept checks or cash at this time. We apologize for any inconvenience.

What is the refund policy if the transaction fails?
We don’t charge your card unless you get your credit report or you complete the request. If we are unable to process your request, we will not charge your card. Please note that when you complete the order process, your credit card may be authorized for a charge, but that does not mean that it has been charged.

Where is my Report?
You may view the status of your orders by logging into My Credit Center.

Will my spouse’s name and information appear on my report?
The credit reporting agencies maintain credit files on individual U.S. residents only. They do not maintain joint files for spouses. Only accounts that are in both your names or those for which you are an authorized user will show up on your report. Therefore, your credit report is separate and different from your spouse’s.

How do I dispute possible inaccuracies on my credit report?
To request an investigation into information you don’t agree with on your credit report, you should write directly to the credit reporting bureau that supplied the information. A credit bureau has 30 days to investigate disputes regarding possible inaccuracies on credit reports. The credit bureau must then give you the results in writing.

Can I order someone else’s report?
No. Under federal laws, any person who knowingly and willfully obtains information on a consumer from a Credit Reporting Agency under false pretenses (for example, getting a credit report on an individual without his/her permission) shall be fined under Title 18 United States Code, or imprisoned for not more than 2 years, or both.

Isn’t everyone entitled to one free credit report annually?
Based on the Fair Credit Reporting Act, sections 612 (b), (c), and (d), you have the right to a free credit report from Credit Report Agencies if (paraphrased) you:

– are the recipient of an adverse action (for example, denial of credit) due to information contained in the Consumer Report;
– are unemployed;
– are a recipient of public welfare assistance;
– have inaccuracies in your Consumer Report due to fraud

For more information, please see the Fair Credit Reporting Act.
Consumers residing in the States of Massachusetts, Maryland, Colorado, New Jersey, and Vermont may also receive a free copy of their credit report once per year and residents of the State of Georgia may receive two (2) copies per year.

To get your free credit report, you must go directly to a credit reporting bureau and have proof of the criteria that entitles you to receive your free credit report. Please note that QSpace.Com is not a credit reporting bureau.

Is $0-CostCreditReport.Com a credit bureau?
No. Although we sell credit reports as an information services company, we do not gather credit data or maintain a database of credit files. That’s why we refer our customers who want to dispute inaccurate information on their credit reports to the credit bureaus supplying the information. Because we do not own the database, we cannot change your credit file.

What if I forget my Username and Password?
If you have forgotten your Username or Password, use our reminder form. Enter the full name and e-mail address you used when registering with us and click “Submit”. You will then be prompted to answer the question you chose as your “Reminder Phrase”. If you answer this correctly, you will receive your Username and Password.

What happens if I don’t get authenticated instantly?
Credit is a sensitive matter, and a rigorous identity verification process is used to make sure your personal information stays private. This verification is performed through Equifax, the largest of the three credit bureaus, using the Equifax Secure authentication system. If instant, online authentication is not possible with the information provided, you will be asked to fax, call, or mail Equifax with additional data. If you submit the required information to Equifax, you are agreeing to purchase the report. Once Equifax receives this information, your identity will be manually verified. You will receive an email with the outcome within three business days. If your information is verified, your login information also will be provided in this email. You can then login at the site to view your report, which will be available online for 30 days.