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Credit scores ... where do you check yours?

dud

dud

Diamond Member
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 ...
 
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.
 
For scores, I used myfico.com

I don't anymore since I don't feel like paying for scores when reports are free.
 
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 ...
 
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!
 
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.
 
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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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.
 
One in a blue moon, you can get a free FICO score from one of the sponsors. I did that a couple years ago.
 
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.
 
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"
 
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.
 
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.
 
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.
 
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.
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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 visa😵. 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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