Credit scores ... where do you check yours?

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dud

dud

Diamond Member
Feb 18, 2001
7,635
73
91
A friend mentioned that you can get your credit report at Annualcreditreport.com. I successfully viewed my report via Equifax but was told that:

"Did you know that your free annual credit report does not include your credit score? Know where you stand by getting your credit score today.

Order your Equifax Credit Score™ with this credit report for only $7.95"


Regardless of the price I refuse to pay for a score that is mine. Please let me know if/how you determine what your credit score is FREE.

Thanks ...
 
S

seepy83

Platinum Member
Nov 12, 2003
2,132
3
71
For Equifax, Transunion, and Experian, I don't think there's any way to get them for free.

Lots of people use CreditKarma because it will give you a score using their own formulas for free. It should give you a ballpark idea.
 
C

Crono

Lifer
Aug 8, 2001
23,720
1,502
136
For scores, I used myfico.com

I don't anymore since I don't feel like paying for scores when reports are free.
 
dud

dud

Diamond Member
Feb 18, 2001
7,635
73
91
Printer Bandit said:
http://www.myfico.com/
V
V
Click to expand...



Tried it ...


"You will not be billed unless you decide to keep Score Watch® beyond your 10-day free trial period. Your credit card information will only be used if you do not cancel prior to the end of your free trial – you can cancel at any time during your 10-day free trial. To cancel the trial offer, you must send your name, address, and daytime telephone number and write "cancel my subscription" in an email to us at the address noted in the Contact Us page. IF YOU DO NOT CANCEL PRIOR TO THE END OF THE TRIAL PERIOD, YOU WILL BE BILLED AT THE THEN-CURRENT PRICE OF THE PRODUCTS OR SERVICES WITHOUT FURTHER NOTICE"


No the hell thank you ...
 
dud

dud

Diamond Member
Feb 18, 2001
7,635
73
91
Crono said:
Yeah, missed that initially.

No company - as far as I know - gives scores free. The free trial ones are a pain to cancel.



Hmm, did not know about that site. Thanks!
Click to expand...




Thank you. This confirms what I had hoped was untrue: there are no free rides!
 
RockinZ28

RockinZ28

Platinum Member
Mar 5, 2008
2,171
49
101
dud said:
Tried it ...


"You will not be billed unless you decide to keep Score Watch® beyond your 10-day free trial period. Your credit card information will only be used if you do not cancel prior to the end of your free trial – you can cancel at any time during your 10-day free trial. To cancel the trial offer, you must send your name, address, and daytime telephone number and write "cancel my subscription" in an email to us at the address noted in the Contact Us page. IF YOU DO NOT CANCEL PRIOR TO THE END OF THE TRIAL PERIOD, YOU WILL BE BILLED AT THE THEN-CURRENT PRICE OF THE PRODUCTS OR SERVICES WITHOUT FURTHER NOTICE"


No the hell thank you ...
Click to expand...

I did it last year, worked as described. Wasn't charged.

I use CK for estimates, though it is rather accurate based on the fico scores cc companies have given me after being approved for cards.
 
SlitheryDee

SlitheryDee

Lifer
Feb 2, 2005
17,252
19
81
Credit karma does offer a free score, but mine was inaccurate and missing information when compared to the scores I paid for from two of the big three credit reporting agencies on myfico.com. You don't have to get the score watch service, but you do have to pay for your score.
 
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T

thecrecarc

Diamond Member
Aug 17, 2004
3,364
3
0
Credit Karma does not give you a true FICO score by Fair Issac, but a FAKO ("fake" fico) score by transunion and VantageScore. They do not match FICO 100%, but nonetheless, they are correlated to your FICO score, and very good to gauge the overall health of your credit.
 
Svnla

Svnla

Lifer
Nov 10, 2003
17,986
1,388
126
One in a blue moon, you can get a free FICO score from one of the sponsors. I did that a couple years ago.
 
xSkyDrAx

xSkyDrAx

Diamond Member
Sep 14, 2003
7,706
1
0
yeap there's no way of getting it for free. I just did this recently just paid for the equifax one at the end of my credit report.
 
Lithium381

Lithium381

Lifer
May 12, 2001
12,452
2
0
Back in '05 or so I was in the market for a car, one of the dealerships ran my credit and let me see the numbers during our discussions to see if I qualified for their "low low rate of just 1.99%APR"
 
Lithium381

Lithium381

Lifer
May 12, 2001
12,452
2
0
And I also just called and asked about home refinancing . . . one of the letters I got had my score on it.
 
boomhower

boomhower

Diamond Member
Sep 13, 2007
7,228
19
81
You can get it for free with relationships with certain lenders. PSECU will give EX, DCU, EQ, and Walmart store card TU.

The only one worth buying is your Equifax score at myfio.com The TU score you buy there is an outdated TU98 formula where almost ever lender uses TU04 or TU08. The Experian score is not a real FICO, you can't buy it anywhere. EX restricted the sale of it to consumers in 2010, you just can't get it unless your a member of PSECU or get denied credit and they used it to for the denial so they have to provide it.
 
SP33Demon

SP33Demon

Lifer
Jun 22, 2001
27,928
143
106
I bought Experian's triple report last month for $30 and it was incredibly helpful, because it compared the other 2 reports together by account so you can see which agency needed to be updated by which account.
 
dud

dud

Diamond Member
Feb 18, 2001
7,635
73
91
So what would you consider to be a "good-to-excellent" score? I know that they range up to 850. I have no debt, my credit report is all green and yet I fell far below that.
 
highland145

highland145

Lifer
Oct 12, 2009
43,973
6,338
136
dud said:
So what would you consider to be a "good-to-excellent" score? I know that they range up to 850. I have no debt, my credit report is all green and yet I fell far below that.
Click to expand...
Equifax goes to 850 but you can't ever get there. The last one I had, mine was 815. I've had no late payments, my debt ratio was very low, multiple types of credit (home, auto, credit card, etc), absolutely no reason that I should not be an 850. However, the report listed 3 reasons (Equifax always has 3 reasons on the reports I pull at work) why I didn't have a perfect score. One was that my outstanding revolving debt was too high. $43 on my visao_O. Called my rep and she told me that no one can get an 850, it's gamed that way.

Anyway, for Equifax, 700+, imo. But that's subjective. The person reading the report "should" take other factors into account when approving/denying credit.

Also, the score is comprised of multiple components. Here.
 
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