US Credit Report – Miscellaneous – Expats Portugal Community Forum
Share:
Notifications
Clear all

Please feel free to view our Forum, but you must either LOGIN or REGISTER to join in the conversation.

  • Wow Wines Banner
  • spartan Fx

US Credit Report


Posts: 2
Community Member
Topic starter
(@kheckman)
New Member
Joined: 4 months ago

I'm looking for advice for a friend who moved to Portugal. She takes her data privacy very seriously, so she's not even on facebook. She would like to get a copy of her credit report, but doesn't trust the website. There's a form you can mail in to get a hard copy, but it only allows for US addresses, which she does not have. Calling the number provided by the IRS has no options for talking to a human being and is just an option tree. Any suggestions for how a US citizen living abroad can get a printed copy of their credit report?

5 Replies




Posts: 26
Premium Member
(@awarrenlove)
Eminent Member
Joined: 12 months ago

US credit is not managed by the IRS. It is managed by the three large private companies Equifax, Experian, and TransUnion. They are federally mandated to provide one report per year per person each, only available through https://www.annualcreditreport.com/index.action. If you don't want to use that website to request your free one, you will have to contact each company to purchase your report from them, which may be possible through the mail.

Reply
3 Replies
Premium Member
(@awarrenlove)
Joined: 12 months ago

Eminent Member
Posts: 26

Also keep in mind each company maintains their own records, so to get your full credit profile you need to request from each one. There is no single credit report in the US.

Reply
Community Member
(@kheckman)
Joined: 4 months ago

New Member
Posts: 2

@awarrenlove As I said, she's taking her privacy very seriously. We are aware of that website (I use it) but she doesn't want to put personal information into "an anonymous website".

Reply
Premium Member
(@jeanne)
Joined: 11 months ago

Estimable Member
Posts: 218

@awarrenlove. I also take my privacy seriously, but why would she not trust the websites? Paper is also not 100% secure...that's why people shred documents. 

The actual 'risk' when it comes to credit reports is that a 3P could hijack her credit ID, so your friend SHOULD log in through a VPN and put a freeze on her account at each of the big credit agencies. That can help prevent 3Ps from doing anything untoward with her data, such as opening a credit card using her name.  That is the real security risk, not the paper versus digital.

Reply




Posts: 26
Premium Member
(@awarrenlove)
Eminent Member
Joined: 12 months ago

It looks like you can request by mail, but ultimately you're still making the request to the same service that runs the website. https://www.annualcreditreport.com/gettingReports.action

That website is run by the credit bureaus themselves, so it's hardly an anonymous website. There's nothing you can give them through that request they don't already have.

Reply




  • Sovereign Group Leaderboard
  • Reis & Pellicano International Lawyers
  • EI Banner

To post a reply, sign up and become a member!

Premium

By becoming a valued Premium Member today, your support will help the team continue to bring you useful content about life in Portugal. You can also:

JOIN TODAYOnly €25 per year
Share:

Free

Sign me up as a Community Member today for access to the forum and social meet-ups.

SIGN UP

Premium

The first year’s donation is only €47 with a 50% discount every year you continue to renew your membership. By becoming a valued Premium Member today, you will unlock some great privileges, freebies and perks.

Less than €4 per monthJoin Today

Copyright © 2021 Expats Portugal

Marketing by Unity Online