Money Want FREE Credit Reports From The Big Three?

**Bwana** · 01-03-2007, 06:35 PM

Want to check to make sure there isn't any thing funky on your credit report with no strings? I just got done with this myself. It's free once a year and isn't one of those BS pages that wants you to sign up for a 30 day gig and give them a credit card. It's all free! Just click here, it only takes a minutes or so to get the ball rolling.

Cheers,

Bwana

https://www.annualcreditreport.com/cra/index.jsp

PastorMikH · 01-03-2007, 08:46 PM

Did you actually get a score without paying? I looked at my credit history a week or two back and everything is clear. But I am curious as to my score but am not willing to pay (or sign up for something that needs canceled) for it.

Mark M · 01-03-2007, 10:47 PM

Quote:

Originally Posted by PastorMikH

Did you actually get a score without paying? I looked at my credit history a week or two back and everything is clear. But I am curious as to my score but am not willing to pay (or sign up for something that needs canceled) for it.

All you get are the reports -- no credit score. Although, I should note two things:

1. For the past two years, getting one from TransUnion is damn near impossible.

2. The old credit scoring model is being replaced with one that makes sense (based on a 1,000 point scale, rather than the ridiculous one they use now which makes no sense to anyone except the geek who created it).

Still, Bwana's point stands: It's vital that EVERYONE get a copy of their report. You never know what the hell they put on it (I had a bunch of stuff from my sister ... which is not a good thing).

MM
~~

Mosbonian · 01-14-2010, 01:05 AM

Quote:

Originally Posted by Mark M

All you get are the reports -- no credit score. Although, I should note two things:

1. For the past two years, getting one from TransUnion is damn near impossible.

Because they are the worst of the 3 in getting items fixed. Their reputation for errors is second to none.

Quote:

Originally Posted by Mark M

2. The old credit scoring model is being replaced with one that makes sense (based on a 1,000 point scale, rather than the ridiculous one they use now which makes no sense to anyone except the geek who created it).

MM
~~

Do you mean the old Beacon score being replaced with the FICO score? Fair Isaac has had their model out for some 25 years. It just never caught on until everyone got tired of holes in the Beacon scoring system.

I noticed you are a financial advice writer...who do you write for?

mmaddog
*******

**Bwana** · 01-03-2007, 08:51 PM

I just got free reports from all three of them. Nothing out of right field sprang out, but it's always wise to check. It is also your legal right to check your credit free once a year and this is a great place to do it.

Score....I know I have a very good one so I don't need to know the exact number.

PastorMikH · 01-03-2007, 08:59 PM

Quote:

Originally Posted by Bwana

Score....I know I have a very good one so I don't need to know the exact number.

Mine should be pretty high too. The curiosity in me though wonders exactly how high. But then again, you don't get good credit by blowing money to find out how high of a score you have.

I know this, the bank never hesitated for a second to approve us for a loan and the loan officer told us we get A LOT more than what we were asking for. 'Course, we were asking for the most that our monthly budget would allow us to pay at that point so I would hate to see how much we could have gotten loaded down with.

**Bwana** · 01-03-2007, 09:02 PM

Quote:

Originally Posted by PastorMikH

Mine should be pretty high too. The curiosity in me though wonders exactly how high. But then again, you don't get good credit by blowing money to find out how high of a score you have.

I know this, the bank never hesitated for a second to approve us for a loan and the loan officer told us we get A LOT more than what we were asking for. 'Course, we were asking for the most that our monthly budget would allow us to pay at that point so I would hate to see how much we could have gotten loaded down with.

Heh!

I hear ya. If you can't sleep, one of then offered it (Your score) for $7.95 from what I can rememner, but the actual reports are free.

Mr. Plow · 01-03-2007, 09:07 PM

Man, I got a score of 45. Things are looking up!

**the Talking Can** · 01-03-2007, 09:11 PM

did that last year and found a bogus $1000 charge from a health club I had never used...they researched it and cleared it....worth the effort to check

**Bwana** · 01-03-2007, 09:13 PM

Quote:

Originally Posted by the Talking Can

did that last year and found a bogus $1000 charge from a health club I had never used...they researched it and cleared it....worth the effort to check

Exactly, you never know and for free, there is nothing to lose. Hell the whole thing ony takes a few minutes and you can print it out if you want to.

BWillie · 01-03-2007, 10:52 PM

I don't understand what is so top secret about credit reports. I think everybody should have the right to know their credit report. Personally, I find it hilarious that people actually have bad credit. I never have bought anything I couldn't afford. I charge EVERYTHING to my credit card since I was 16 years old. My credit card bill usually racks up about 1500 a month and I've NEVER paid interest on it. Just pay it off in time, if you can't, don't buy all that shit you don't need.

I also was paying a loan off on my car under my name, but my dad just paid me for it in hs to up my credit. That was a great idea, if you buy a car for your kids in college, I suggest you do that. Now I have perfect credit but I don't think I'm the person to use it the way most people would. I'm never going to buy a car where I have to pay interest. The next car I buy, I'm going to buy it in cash, and the next one, and the next one. I'm just going to save my money up until I'm 30, and buy a house with cash. I see no point in paying interest on something you can't buy..unless it's student loans.

Hootie · 01-27-2008, 10:00 AM

Quote:

Originally Posted by BWillie007

I don't understand what is so top secret about credit reports. I think everybody should have the right to know their credit report. Personally, I find it hilarious that people actually have bad credit. I never have bought anything I couldn't afford. I charge EVERYTHING to my credit card since I was 16 years old. My credit card bill usually racks up about 1500 a month and I've NEVER paid interest on it. Just pay it off in time, if you can't, don't buy all that shit you don't need.

I also was paying a loan off on my car under my name, but my dad just paid me for it in hs to up my credit. That was a great idea, if you buy a car for your kids in college, I suggest you do that. Now I have perfect credit but I don't think I'm the person to use it the way most people would. I'm never going to buy a car where I have to pay interest. The next car I buy, I'm going to buy it in cash, and the next one, and the next one. I'm just going to save my money up until I'm 30, and buy a house with cash. I see no point in paying interest on something you can't buy..unless it's student loans.

No one buys a house in cash...that's just reeruned. Makes NO sense.

**alnorth** · 01-27-2008, 11:07 AM

Quote:

Originally Posted by Hootie

No one buys a house in cash...that's just reeruned. Makes NO sense.

I might not call it "reeruned", but in general I agree if the person applying for the mortgage can get a decent rate.

Debt is not evil, it is a useful tool just like a knife is a useful tool. You can cut yourself badly with a knife, but that doesnt mean we should ban all knives.

If you are in a high tax bracket and could get... oh, lets say 5.5%, then that loan is actually costing you about 4 1/8%. If you cant beat that through investments theres something wrong with you.

I have a student loan at some silly low interest rate of 3 1/8%. After the tax deduction it only costs me a little under 2.5%. I have a payment plan on it stretching out to the next 20 years, but I'd be an idiot to pay that off 1 second early. I dont know which idiot thought it was a good idea to give me this cheap money, but I intend to take advantage of them.

On the other hand, if your talking about a non-deductible 6% car loan, or if your credit sucks and you can only get a 7-8% mortgage, thats starting to get expensive enough that you cant reliably make very much money on the spread safely, so it makes sense to pay it off or not take out the loan at all and pay cash.

DTLB58 · 01-27-2008, 02:46 PM

Quote:

Originally Posted by Hootie

No one buys a house in cash...that's just reeruned. Makes NO sense.

People DO pay cash for houses. If you listen to the Dave Ramsey show or read his books you would know this.

In Dave's book "The Total money Makeover" Dave tells the story of a young married couple that lived in an very small apartment over a rich ladies garage. She only charged them $250 a month. He was making $50,000 a year and his wife $30,000. His granfather had preached to him to never borrow money. For 3 years they lived on nothing and did nothing extra that cost money. After 3 years they had saved $150,000 and paid cash for their first home.

Paying cash for a house is possible, very possible (I also work with someone who paid cash for their house). What's hard is to find people willing to pay the price in sacraficed lifestyle.

How much more wealth could you build if you didn't have a house payment? Look at all the stress off the marriage without a huge house payment.

reeruned??? Are you kidding me?

**Bwana** · 01-27-2008, 04:14 PM

Quote:

Originally Posted by DTLB58

reeruned??? Are you kidding me?

Aww, don't waste your time and consider who the poster was making the statement.

The guy likely couldn't couldn't run down the funds for a six pack of Old Mill and a pack of gum, much less a house.

01-03-2007, 06:35 PM	Topic Starter
Bwana It's Five O'Clock Somewhere Join Date: Aug 2000 Location: Billings, Montana Casino cash: $2135883647	Want FREE Credit Reports From The Big Three? Want to check to make sure there isn't any thing funky on your credit report with no strings? I just got done with this myself. It's free once a year and isn't one of those BS pages that wants you to sign up for a 30 day gig and give them a credit card. It's all free! Just click here, it only takes a minutes or so to get the ball rolling. Cheers, Bwana https://www.annualcreditreport.com/cra/index.jsp
Posts: 70,486

01-03-2007, 08:46 PM	#2
PastorMikH Will KC ever be better? Join Date: Nov 2002 Location: Land of Red Dirt & Necks Casino cash: $9905087	Did you actually get a score without paying? I looked at my credit history a week or two back and everything is clear. But I am curious as to my score but am not willing to pay (or sign up for something that needs canceled) for it. __________________
Posts: 20,454

01-03-2007, 08:51 PM	#5
Bwana It's Five O'Clock Somewhere Join Date: Aug 2000 Location: Billings, Montana Casino cash: $2135883647	I just got free reports from all three of them. Nothing out of right field sprang out, but it's always wise to check. It is also your legal right to check your credit free once a year and this is a great place to do it. Score....I know I have a very good one so I don't need to know the exact number. __________________ Adventure is dangerous....but monotony can kill you.
Posts: 70,486

01-03-2007, 09:07 PM	#8
Mr. Plow In Search of a Life Join Date: Dec 2005 Casino cash: $-1462609	Man, I got a score of 45. Things are looking up!
Posts: 31,691

01-03-2007, 09:11 PM	#9
the Talking Can Supporter Join Date: Aug 2001 Location: street Casino cash: $9212208	did that last year and found a bogus $1000 charge from a health club I had never used...they researched it and cleared it....worth the effort to check __________________ Clark Hunt: "Thank god for the Dominican pool boy"
Posts: 51,585

01-03-2007, 10:52 PM	#11
BWillie Are you ready to Rumble? Join Date: Apr 2006 Casino cash: $-1418759	I don't understand what is so top secret about credit reports. I think everybody should have the right to know their credit report. Personally, I find it hilarious that people actually have bad credit. I never have bought anything I couldn't afford. I charge EVERYTHING to my credit card since I was 16 years old. My credit card bill usually racks up about 1500 a month and I've NEVER paid interest on it. Just pay it off in time, if you can't, don't buy all that shit you don't need. I also was paying a loan off on my car under my name, but my dad just paid me for it in hs to up my credit. That was a great idea, if you buy a car for your kids in college, I suggest you do that. Now I have perfect credit but I don't think I'm the person to use it the way most people would. I'm never going to buy a car where I have to pay interest. The next car I buy, I'm going to buy it in cash, and the next one, and the next one. I'm just going to save my money up until I'm 30, and buy a house with cash. I see no point in paying interest on something you can't buy..unless it's student loans.
Posts: 52,794