Has anyone gotten credit reports from annualcreditreport.com ?

[Homerboy]

I've recently run these through on myself, and while it gives a very detailed account of your credit history, it does NOT (from what I can see) actually give you your credit score (Im currently looking at my TU and EXQ reports).

I realize the site is "creditreport.com", but I assumed there would be a credit score too.

Anywhere to get my damned SCORE?

 

[Ns1]

myfico.com is the only place to get your real FICO score (trademarked)

everything else is a FAKO score.

you can easily search for coupons for myfico

 

[mrCide]

Vouch for myFico + searching for coupons

 

[Homerboy]

hmmm I dont want to pay for it though.
Thought there would be once a year freebie or something out there
They do have a 10 day trial though.

 

[mrCide]

Just pay for it. It ends up being around $10. Small price to pay. You really don't want to go through the hassle of signing up for the 'free trial' places and trying to cancel. I hear too many horror stories of how hard it is to cancel or still being billed after canceling. There is no legitimate credit score freebie that doesn't have loads of hassle IMO.

 

[HardcoreRobot]

usually gotta pay. occasionally you will find some sites offering free scores. myfico did one recently.

 

[ProfJohn]

The freebie does not include your fico score.

Only way to get that is to pay.

 

[rcpratt]

I'm pretty sure I saw my scores on annualcreditreport.com, although as mentioned above, they're not the official FICO score.

 

[ichy]

CreditKarma.com is free, but it's not a real FICO score. It should give you an idea of where you are though.

 

[DesiPower]

I've recently run these through on myself, and while it gives a very detailed account of your credit history, it does NOT (from what I can see) actually give you your credit score (Im currently looking at my TU and EXQ reports).

I realize the site is "creditreport.com", but I assumed there would be a credit score too.

Anywhere to get my damned SCORE?

As everyone mentioned, you have to pay to get your actual credit report, or apply for a loan and get your report from them then deny the loan :biggrin:

now if you want to pay, once your view each report @ annualcreditreport.com, there is an option to payup and view the score too.

 

[highland145]

pay to play.

 

[Mide]

I use annualcreditreport.com once a year. As for the FICO...I'll only do it if I run across some free deal.

 

[Turin39789]

CreditKarma.com is free, but it's not a real FICO score. It should give you an idea of where you are though.

I believe it is loosly based on your Transunion score, MYFICO is considered the 'real' FICO, that is generated by experian but some card companies or other lenders will rely more on one of the other agencies. I currently get my TU score for free through a class action suit settlement, and I know several cards have relied on it because it is my only report that is missing a negative item that the others have and that has helped out. I know when we got out mortgage last year the loan officer showed us scores from all 3 scorers.

 

[Saint Nick]

myFico is a monthly service? wtf.