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Old 04-06-2011, 10:27 AM  
El Jefe El Jefe is offline
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Credit Reports
I really don't know much about the different places to get your credit scores checked, I know of: Free Credit Score.com, Equifax etc etc. My dad pays $14 a month for memebership with Free Credit Score, and to be honest I don't want to pay a monthly fee, can anyone recommend a good website or place?
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El Jefe Forgot to Remove His Claytex and Got Toxic Shock Syndrome.El Jefe Forgot to Remove His Claytex and Got Toxic Shock Syndrome.El Jefe Forgot to Remove His Claytex and Got Toxic Shock Syndrome.El Jefe Forgot to Remove His Claytex and Got Toxic Shock Syndrome.El Jefe Forgot to Remove His Claytex and Got Toxic Shock Syndrome.El Jefe Forgot to Remove His Claytex and Got Toxic Shock Syndrome.El Jefe Forgot to Remove His Claytex and Got Toxic Shock Syndrome.El Jefe Forgot to Remove His Claytex and Got Toxic Shock Syndrome.El Jefe Forgot to Remove His Claytex and Got Toxic Shock Syndrome.El Jefe Forgot to Remove His Claytex and Got Toxic Shock Syndrome.El Jefe Forgot to Remove His Claytex and Got Toxic Shock Syndrome.
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Old 04-06-2011, 11:57 AM   #16
Jewish Rabbi Jewish Rabbi is offline
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Old 04-06-2011, 12:24 PM   #17
bobbything bobbything is offline
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Just so you know, the scores you get from those websites are useless. They use their own formulas to calculate them. The only scores that matter come from FICO.

It's kind of difficult to wrap your brain around at first, but here's the easiest way to look at it...

Experian, Equifax, and Transunion all own their own website(s). For instance, freecreditscore.com is owned by Experian. truecredit.com is owned by Transunion. Etc. And each website/company has their own scoring model. So, if you sign up at freecreditscore.com (Experian), you'll get your credit scores for Experian, Transunion, and Equifax...but those scores are based off freecreditscore.com (Experian's) scoring model. Same deal if you use truecredit.com (Transunion)...or any other website. Needless to say, the scores are going to vary from website to website. For instance, your Experian score from freecreditscore.com is going to be different from your Experian score from truecredit.com.

The biggest problem with this is that lenders don't use those scores to make their lending decisions.

The only place you can go to get the credit scores that lenders use is myFICO.com. FICO is the scoring model that lenders use. There, you can get your FICO Transunion and Equifax scores (you can't get your Experian score, don't ask me why). Or, you can have a lender pull the scores for you (which will ding your report. Pulling it yourself doesn't ding it).

I'm a nazi about my credit report and credit scores. You can use any of those websites to monitor your credit reports, fix errors, etc. But the credit scores themselves should be obtained from myFICO.com.

PM me if you have any questions about this. myFICO.com also has a great message board that can answer tons of questions. The simple way to look at it is, use any of the above recommended websites to monitor your credit report but ignore the scores. Go myFICO.com for your scores.
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Old 04-06-2011, 12:25 PM   #18
Mr. Laz Mr. Laz is offline
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Quote:
Originally Posted by kcchiefsfanGoJC View Post
I really don't know much about the different places to get your credit scores checked, I know of: Free Credit Score.com, Equifax etc etc. My dad pays $14 a month for memebership with Free Credit Score, and to be honest I don't want to pay a monthly fee, can anyone recommend a good website or place?
my credit card gives me my credit scores for free on it's website.

you might check yours
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Old 04-06-2011, 12:26 PM   #19
vailpass vailpass is offline
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Old 04-07-2011, 09:45 PM   #20
Earthbound Earthbound is offline
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If you want to check your score call a lender and ask for a loan. You aren't obligated to accept any financing even after they approve you. Just be sure you don't start running lots of hard inquiries or you are gonna see your score drop.
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Old 04-08-2011, 12:15 AM   #21
T-post Tom T-post Tom is offline
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Give me your real name and SSN and I'll get you your score for free.
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Old 04-08-2011, 02:16 AM   #22
btlook1 btlook1 is offline
umm...what do I say here?
 
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Why pay or go through the hassle....stop by your local bank and speak with your loan guy/girl. Did it this week told her we are thinking bout a new car. So she ran my credit while I was there...took her like 5 mins....Free and she's going to print me a copy....Scored like 760 or something. Painless!!!
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Old 04-08-2011, 08:17 AM   #23
kepp kepp is offline
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Originally Posted by kcchiefsfanGoJC View Post
Any recommendations?
Get your free CR from all three of the credit agencies and go over them with a fine-toothed comb. If you see anything amiss, then you can contact them in various ways. I check mine every year and two years ago I found a mistake. They had put a CC account from my ex-wife on mine. I filled out an online form informing them about the mistake and, within a month, it was gone.
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kepp threw an interception on a screen pass.kepp threw an interception on a screen pass.kepp threw an interception on a screen pass.kepp threw an interception on a screen pass.kepp threw an interception on a screen pass.kepp threw an interception on a screen pass.kepp threw an interception on a screen pass.kepp threw an interception on a screen pass.kepp threw an interception on a screen pass.kepp threw an interception on a screen pass.kepp threw an interception on a screen pass.
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Old 04-08-2011, 01:07 PM   #24
Saul Good Saul Good is offline
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Quote:
Originally Posted by bobbything View Post
Just so you know, the scores you get from those websites are useless. They use their own formulas to calculate them. The only scores that matter come from FICO.

It's kind of difficult to wrap your brain around at first, but here's the easiest way to look at it...

Experian, Equifax, and Transunion all own their own website(s). For instance, freecreditscore.com is owned by Experian. truecredit.com is owned by Transunion. Etc. And each website/company has their own scoring model. So, if you sign up at freecreditscore.com (Experian), you'll get your credit scores for Experian, Transunion, and Equifax...but those scores are based off freecreditscore.com (Experian's) scoring model. Same deal if you use truecredit.com (Transunion)...or any other website. Needless to say, the scores are going to vary from website to website. For instance, your Experian score from freecreditscore.com is going to be different from your Experian score from truecredit.com.

The biggest problem with this is that lenders don't use those scores to make their lending decisions.

The only place you can go to get the credit scores that lenders use is myFICO.com. FICO is the scoring model that lenders use. There, you can get your FICO Transunion and Equifax scores (you can't get your Experian score, don't ask me why). Or, you can have a lender pull the scores for you (which will ding your report. Pulling it yourself doesn't ding it).

I'm a nazi about my credit report and credit scores. You can use any of those websites to monitor your credit reports, fix errors, etc. But the credit scores themselves should be obtained from myFICO.com.

PM me if you have any questions about this. myFICO.com also has a great message board that can answer tons of questions. The simple way to look at it is, use any of the above recommended websites to monitor your credit report but ignore the scores. Go myFICO.com for your scores.
This is just completely incorrect.
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Old 04-08-2011, 02:24 PM   #25
El Jefe El Jefe is offline
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This is just completely incorrect.
Seriously? PM me please
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