Question: Is there any site to get free credit score

[mobiblu]

I went and try annualcreditreport but all they give is my credit history. I would like to know what my credit score is, for free if possible.

 

[Kaspian]

Good luck. If you find one let me know.

 

[alien42]

myfico.com, just sign up for the free trial. i believe you can do it once a year.

 

[bignateyk]

:music: Freeeee credit report dotttt commmm :music:

 

[jandrews]

there is no site that exists that will give you your score without signing up for something you will either have to pay for or cancel. You can only get a free credit report to see what is on your report for free. Really without the score it is pretty useless.

 

[dullard]

Originally posted by: jandrews
You can only get a free credit report to see what is on your report for free. Really without the score it is pretty useless.

I'd reverse that. The score without the report is what is useless to you. Wow you have a number, lets say 713, but a score alone means nothing. Do I give the number, 713, to my kids to play with? Do I take that number and put it in my car to drive? What do I do with that number? Nothing.

What is useful is a report that tells you why your number isn't perfect, how to improve it, and any errors should be obvious to spot. A report that lists all that is something you can act on and something that can actually be useful to you. A report that says you need to pay loans XYZ to improve your credit is useful. A report that says you need to open another line of credit for more history is useful. A report that mistakenly says you didn't pay off your credit card is useful. You can act on that.

 

[jandrews]

Originally posted by: dullard

Originally posted by: jandrews
You can only get a free credit report to see what is on your report for free. Really without the score it is pretty useless.

I'd reverse that. The score without the report is what is useless to you. Wow you have a number, lets say 713, but a score alone means nothing. What is useful is a report that tells you why your number isn't perfect, how to improve it, and any errors should be obvious to spot. A report that lists all that is something you can act on and something that can actually be useful to you.

I highly disagree, for anyone buying anything that needs credit your score is vastly vastly more important than knowing what is on your report. You need to know your score to basically see what you can work with and even if you can qualify for a loan. If your score is high, ok good, it doesnt really matter whats on your report. If your credit score is quite low, then you know you need to check your credit report. The number is the key number number number!

 

[dullard]

Originally posted by: jandrews
I highly disagree, for anyone buying anything that needs credit your score is vastly vastly more important than knowing what is on your report. You need to know your score to basically see what you can work with and even if you can qualify for a loan. If your score is high, ok good, it doesnt really matter whats on your report. If your credit score is quite low, then you know you need to check your credit report. The number is the key number number number!

The score alone doesn't tell you anything. It won't tell you how banks will look at you (you need to talk to a banker for that, especially if you are in the grey area with all the recent mortgage termoil). It won't tell you how to improve itself (you need to look at the report for that). The score alone gives you nothing.

Remember, anyone can make their own formula for a credit score. Anyone can go into that business. Jandrews, after looking at your credit report, I give you a score of 105782. Now go do something with it. I'll wait here until you tell me what you did with that number.

 

[shocksyde]

I believe myfico.com is the only answer.

Any score you get from ANYWHERE else is not a true FICO score.

 

[jandrews]

Originally posted by: dullard

Originally posted by: jandrews
I highly disagree, for anyone buying anything that needs credit your score is vastly vastly more important than knowing what is on your report. You need to know your score to basically see what you can work with and even if you can qualify for a loan. If your score is high, ok good, it doesnt really matter whats on your report. If your credit score is quite low, then you know you need to check your credit report. The number is the key number number number!

The score alone doesn't tell you anything. It won't tell you how banks will look at you (you need to talk to a banker for that, especially if you are in the grey area with all the recent mortgage termoil). It won't tell you how to improve itself (you need to look at the report for that). The score alone gives you nothing.

Remember, anyone can make their own formula for a credit score. Anyone can go into that business. Jandrews, after looking at your credit report, I give you a score of 105782. Now go do something with it. I'll wait here until you tell me what you did with that number.

Well since I already know the range of credit, why dont you stick with that? Give me a score from that scale and I will tell you exactly what I am doing with it. A score of 750, great, I know what I can do with that and I know I have a very good chance of getting many loans at low interest. Give me a score of 500, now I know I need to view my report and find out what the hell is going on. You are taking an example way out of context, the number is what they use to decide most of the interest rates and if they will give you a loan, what is on the report itself is not as important to the individual consumer as what their specific credit number is. I dont see how you can disagree with that.

 

[dullard]

Originally posted by: jandrews
Well since I already know the range of credit

Like I said if you know the score AND talk to a banker (such as what range they are interested in) you now have something. But the score alone without the range is useless. Note: the range is moving as we speak. Don't think the score range you knew that could get you a loan is valid any more.

I dont see how you can disagree with that.

The score is important. But you can't do anything with the score alone. If your score is good, you should already know you have good credit, so the score is useless. If your score is bad, you should already know you have bad credit, so the score is useless. Why do you disagree that a report that you can act on is important?

Lets say you get a score of 680 on whatever range you think you are in. Now what? How do you get it into a score that will give you a better loan? The score does nothing for you. If you want to get a better score, you start by looking at your credit report. You see what is on that report, and it tells you how to improve your score.

The score is important to a bank (and other companies). The report is important to you. I just don't think you are seeing the subtle but important difference there.

 

[Pabster]

Originally posted by: jandrews
I highly disagree, for anyone buying anything that needs credit your score is vastly vastly more important than knowing what is on your report. You need to know your score to basically see what you can work with and even if you can qualify for a loan. If your score is high, ok good, it doesnt really matter whats on your report. If your credit score is quite low, then you know you need to check your credit report. The number is the key number number number!

Wrong, Wrong, Wrong.

Score alone guarantees nothing. I've seen someone with a 650 score approved for something whereas another person with a 700 did not qualify. Score is only part of the equation...

As for the OP, you're going to have to pay, sorry. And stick with myFICO as the scores they sell are your REAL FICO scores. All the others are selling so-called FAKO scores which are absolutely worthless.

 

[Agentbolt]

The score is important to a bank (and other companies). The report is important to you

You said it yourself, what am I going to do with this report? Make a fort out of it? Fly it like a kite?

Banks and other companies give me money, or products. My credit score is what is important to them, and since they give me stuff, it is important to me by proxy.

If you give me my FICO credit score alone, say, 750, I KNOW I can go get a credit card. Or a plasma screen TV. Or whatever. If you give me a piece of paper that says I never paid off a credit card, or I was late on a mortage payment, awesome. What do I do with that? Is that going to hurt me enough so I can't get credit at best buy? Is that going to make my mortage rate go up? Without my credit score I don't know.

They're obviously far more useful as a pair, but alone, a credit score is far more important.

 

[FoBoT]

once a year you should get your free credit report from http://annualcreditreport.com

review it for errors and dispute those errors

if you want to know your score, go to myfico.com and pay for it or if there is a free trial, then that is nice

if you want to know how to improve your fico score, go to that other forum where they tell you how to do that, it is either a fatwallet forum or a money forum, the other guys, like rossman, etc, have posted it in other credit threads. i don't remember

yeah, what j00fek posted \/ \/ \/

 

[j00fek]

http://creditboards.com/forums/index.php?

 

[dullard]

You give me my FICO credit score alone, say, 750, I KNOW I can go get a credit card. Or a plasma screen TV. Or whatever. If you give me a piece of paper that says I never paid off a credit card, or I was late on a mortage payment, awesome. What do I do with that? Is that going to hurt me enough so I can't get credit at best buy? Is that going to make my mortage rate go up? Without my credit score I don't know.

If you had a 750 score, you would know those things even without the score. You know you've done well and you apply to everything and get approved. Knowing if it is 740, 750, or 760 is worthless to you. So, lets get away from obviously good or obviously bad numbers (anyone should know if they are in those obvious categories without needing a score).

Now, lets say you have an in-between score, lets use the lower 600s. Do you really know if Best Buy will help get you a plasma with that score? Do you really know if Chase will give you a CC with that score? Do you really know if you can get a mortgage? I highly doubt it; if your score is 625, you probably don't know anything about the answers to those questions. And if you do know for certain, please put every companies guidelines on the web and link it here for us. You'd be doing the world a great favor. I suspect you can't do that though.

Originally posted by: Agentbolt
You said it yourself, what am I going to do with this report? Make a fort out of it? Fly it like a kite?

If you want a plasma TV, a mortgage, etc, you will do what the report says to make your credit score better. It'll tell you exactly what to do. You can follow the report's advice and raise your score dramatically if you are in the lower 600s. Then that is all you can do. You can now qualify for most if not all of what you want.

 

[jandrews]

Dullard, you are making no sense. How the heck would you know these things without the score? How are you supposed to know your score is high or low without actually checking that score? Knowing if your credit score is 600 or 750 does make a huge difference and I had NO idea what my credit score was until I actually signed up and found out for myself. You are making wayyyyy to many assumptions. People dont magically know their score, that is the whole reason scores are so important.

If your score is in the low 600s then you know you really need to check your report. If it is in the high 700s you already know it really doesnt matter. The point was the score is more important than the report, with the score you can know if the report is useful or not. Without the score your report means jack.

 

[dullard]

Originally posted by: jandrews
Dullard, you are making no sense. How the heck would you know these things without the score? How are you supposed to know your score is high or low without actually checking that score? Knowing if your credit score is 600 or 750 does make a huge difference and I had NO idea what my credit score was until I actually signed up and found out for myself. You are making wayyyyy to many assumptions. People dont magically know their score, that is the whole reason scores are so important.

If your score is in the low 600s then you know you really need to check your report. If it is in the high 700s you already know it really doesnt matter. The point was the score is more important than the report, with the score you can know if the report is useful or not. Without the score your report means jack.

You pay your bills on time, you don't enter bankruptcy, etc and you are just fine. I've never gotten my credit score directly and I know it is as good as I ever need it to be. Once I accidently saw it when I was getting a mortgage (~780), but I really didn't care. I knew it was good enough to get anything I wanted. The credit reports tell you all that.

If you file bankruptcy, pay your bills late, miss payments, etc and think you have a good score you are delusional.

You know your behavior. You know your score. That is, unless there is an error on your report. And if there is an error on the report, how do you know without seeing the report?

The report tells you your score if you read between the lines.

Now why wouldn't someone with a 625 FICO score need a report? Is there a mistake? That person really needs to see the report to fix it. Is there something that can be easilly done to make it much higher? If so, the report will tell you how to do that. This is crucial information.

 

[Old Hippie]

Is there any site to get free credit score

No.

 

[49erinnc]

With my Washington Mutual credit card account, I can check my "Credit Profile" any day of the week and get my TransUnion FICO score for free. It's updated every month and also has a graph tracking progress. It also has a report "snapshot" that shows me how many open accounts, closed accounts, inquiries, derogatory items, how many delinquencies and revolving balances.

It's one of my favorite features on my CC account.

 

[dullard]

Think of it like a homework assignment. Say there are 10 questions and you missed 1. Do you really need to know if you got an A, B, C, D, or F? No, you know you didn't do perfectly but you did quite well. Would you rather see

(A) How many questions you got wrong, which ones were wrong, why they were wrong, and how to do them correctly.

or

(B) That you got a B on the homework.

Test time is approaching. Do you want to see option (A) or (B)? Lets say you can't see both.


You are correct that your grades so far depend solely on your letter grade. In that viewpoint, your homework grade is all that matters to your teacher. Thus your teacher will want to know option (B). But, if you want to get an A in the class, you really should want to see option (A).

 

[jandrews]

But that is an incorrect example. Because with credit say you had a test with ten questions and got one wrong. You would assume you got an A, right? WRONG! Credit reports may look like they give you an indication of your credit score but you are usually wrong. Credit scores have a lot to do with many factors the average person cannot determine just by looking at the credit report. That is why you need the number. The number is the culmination, the key of what your report is. If your credit report is the question then your credit score is the answer. That is why score is most important.

 

[dullard]

Originally posted by: jandrews
But that is an incorrect example. Because with credit say you had a test with ten questions and got one wrong. You would assume you got an A, right? WRONG! Credit reports may look like they give you an indication of your credit score but you are usually wrong. Credit scores have a lot to do with many factors the average person cannot determine just by looking at the credit report. That is why you need the number. The number is the culmination, the key of what your report is. If your credit report is the question then your credit score is the answer. That is why score is most important.

That really is a damn good example. It doesn't matter where you are now as much as where you want to be. You want to know what is wrong on your credit score, what you can do to improve it, etc. That is what the report does.

Why would you assume an A? I never said they were all evenly scored. I never said an A is 90%. You are assuming too much. But, you do know that you did fairly well. You could have gotten a 95% or a 80%. Either way it is passible.

You are almost always correct if you estimate your score from your report. You won't get it precisely right, but you'll certainly know what ballpark you are in.

 

[jandrews]

Now I think you are assuming too much stating that people out there know what score to approximately derive from their credit report, I think you vastly overestimate the average person. No, your example stated 10 questions and one wrong which is 90% not 95 or 80. Even better you can look up your score and it will tell you exactly how you did on the test. No point in looking at the test when you have 95% but if you got 50% on the test you sure need to look back and see where you messed up. I can see you would never agree with me no matter how good a point I made so this will be my last reply it was fun.

 

[shocksyde]

Originally posted by: 49erinnc
With my Washington Mutual credit card account, I can check my "Credit Profile" any day of the week and get my TransUnion FICO score for free. It's updated every month and also has a graph tracking progress. It also has a report "snapshot" that shows me how many open accounts, closed accounts, inquiries, derogatory items, how many delinquencies and revolving balances.

It's one of my favorite features on my CC account.

Although the WaMu free score is one of the most accurate, it's still not a true FICO score.