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One time Free Credit Check report

E

essasin

Platinum Member
Any places that you guys know of that has a one time free credit check report or somewhere that is reliable and cheap. Thanks
 
You can get a report once a year for free, but to get your score I think you'll need to sign up for one of those credit monitoring services. But you should just be able to sign up for the free/cheap trial to get your score and cancel before the trial period is over.
 
frostedflakes said:
You can get a report once a year for free, but to get your score I think you'll need to sign up for one of those credit monitoring services. But you should just be able to sign up for the free/cheap trial to get your score and cancel before the trial period is over.
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As a side note, the only score that matters is FICO, and you can only get those from myfico.com, limited to TransUnion and Equifax. You cant get your Experian FICO except in a few very rare cases (a few credit unions give you an EX FICO). All other scores are not FICO, and can vary as much as 150 points up or down from your actual FICO, therefore useless.
 
frostedflakes said:
You can get a report once a year for free, but to get your score I think you'll need to sign up for one of those credit monitoring services. But you should just be able to sign up for the free/cheap trial to get your score and cancel before the trial period is over.
Click to expand...

It is remarkably difficult, and they make it so - to cancel before the trial period is over. To the point where there are lawsuits about it. People cancelled, then got charged anyways.
 
blackangst1 said:
As a side note, the only score that matters is FICO, and you can only get those from myfico.com, limited to TransUnion and Equifax. You cant get your Experian FICO except in a few very rare cases (a few credit unions give you an EX FICO). All other scores are not FICO, and can vary as much as 150 points up or down from your actual FICO, therefore useless.
Click to expand...

FICO is a for profit company. They charge you for their credit score. $19.95 I believe from their website. There is no Experian FICO score. Experian created their own scoring model. It is called a PLUS score. Equifax and Transunion have what they call a Vantage score. You are right that FICO is used more. However the other scoring models are also used. FICO by the way is not a credit bureau. It gathers data from the 3 bureaus to get the FICO score. That is why the other bureaus started creating their own scoring models to compete against FICO.
 
SamQuint said:
FICO is a for profit company. They charge you for their credit score. $19.95 I believe from their website. There is no Experian FICO score. Experian created their own scoring model. It is called a PLUS score. Equifax and Transunion have what they call a Vantage score. You are right that FICO is used more. However the other scoring models are also used. FICO by the way is not a credit bureau. It gathers data from the 3 bureaus to get the FICO score. That is why the other bureaus started creating their own scoring models to compete against FICO.
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You are incorrect. There is an EX FICO. You just cant buy it from FICO; however, as I mentioned, a few credit unions give you your EX FICO for free. For example, Pennsylvania State Employees Credit Union does. Here's a screenshot of my account:

EXFICO.gif


EX and FICO ended their relationship in 2009: http://credit.about.com/b/2009/02/05/no-more-experian-fico-scores.htm

This Valentine's Day, Experian and Fair Isaac end their 6-year relationship. Fair Isaac recently announced that Experian decided to stop allowing consumers to access their FICO scores via myFICO.com. Currently, myFICO.com is the only place you can purchase your FICO scores based on your three credit reports from Equifax, Experian, and TransUnion. After February 13, 2009, you won't be able to purchase your Experian credit report or FICO score through myFICO.com.

Lenders will still be able to view your Experian FICO score and make lending decisions based on it. You'll still be able to access your Experian credit score (the PLUS score) from its own website and that of third-party resellers. However, according to CreditCards.com, few lenders use Experian's PLUS score, so the score may not be as useful as the more widely-used FICO score.
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Other than auto enhanced, can you name any major creditor that uses anything BUT a FICO? Some creditors have their own internal scoring system (like Amex) but that info is derived off of FICO.

Im very aware FICO is simply a risk model and not a bureau. I never said anything different. I am also aware all 3 bureaus have a FICO and their own internal model, but the two are not synonomous.
 
blackangst1 said:
You are incorrect. There is an EX FICO. You just cant buy it from FICO; however, as I mentioned, a few credit unions give you your EX FICO for free. For example, Pennsylvania State Employees Credit Union does. Here's a screenshot of my account:

EXFICO.gif


EX and FICO ended their relationship in 2009: http://credit.about.com/b/2009/02/05/no-more-experian-fico-scores.htm




Other than auto enhanced, can you name any major creditor that uses anything BUT a FICO? Some creditors have their own internal scoring system (like Amex) but that info is derived off of FICO.

Im very aware FICO is simply a risk model and not a bureau. I never said anything different. I am also aware all 3 bureaus have a FICO and their own internal model, but the two are not synonomous.
Click to expand...

You are right, I just didn't correctly state what I was trying to say. An Experian FICO score is just that. A FICO score ran against your Experian credit report information. I was trying to say the Experian does not create the FICO score. (They used to include it sell it or include it with their credit reports) They have their own PLUS score that they have created.
 
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