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Old 04-06-2011, 10:27 AM   Topic Starter
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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Old 04-06-2011, 10:28 AM   #2
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www.annualcreditreport.com

You are entitled to 1 free report per year from the big 3 credit agencies. This website acts as a portal to do that. You should NOT pay to get your credit report.

I have used this site with success. It is easy and it is free.
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Old 04-06-2011, 10:39 AM   #3
The Franchise The Franchise is offline
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Originally Posted by loochy View Post
www.annualcreditreport.com

You are entitled to 1 free report per year from the big 3 credit agencies. This website acts as a portal to do that. You should NOT pay to get your credit report.

I have used this site with success. It is easy and it is free.
The thing is that he asked about credit scores.

You can get your credit report for free......but you have to pay to get your score from all three agencies.
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Old 04-06-2011, 11:02 AM   #4
loochy loochy is offline
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The thing is that he asked about credit scores.

You can get your credit report for free......but you have to pay to get your score from all three agencies.
Ahhh..I missed that.

With that being said, does it really matter if you know your score or not?
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Old 04-06-2011, 11:07 AM   #5
Bill Lundberg Bill Lundberg is offline
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Originally Posted by loochy View Post
Ahhh..I missed that.

With that being said, does it really matter if you know your score or not?
It does if you're trying to finance something
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Old 04-06-2011, 11:09 AM   #6
El Jefe El Jefe is offline
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It does if you're trying to finance something
Any recommendations?
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Old 04-06-2011, 10:32 AM   #7
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I went thru http://experian.experiandirect.com/ recently when making a major purchase and they too managed to sign me up for at $14.99 'credit monitor' that was worthless.

To top it off you can't cancel the service thru the web page. You need to call some India or South American call center, give them your credit card number and social security number and they'll get it cancelled for you.

I cancelled the credit card and vowed to never use them again.

Don't know who to tell you to go through, just avoid that particular website like the plaque.
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Old 04-06-2011, 10:34 AM   #8
tooge tooge is offline
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Freecreditreport.com, you know, the guys singing in the band one.
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Old 04-06-2011, 10:36 AM   #9
loochy loochy is offline
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Freecreditreport.com, you know, the guys singing in the band one.
The thing is that on freecreditreport.com, they can trick you into signing up for something you have to pay for.
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Old 04-06-2011, 11:29 AM   #10
Mile High Mania Mile High Mania is offline
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http://www.ftc.gov/bcp/edu/microsite...ts/index.shtml

Question ... I was told that only 1 of the 3 provided you with a free credit score with your free annual credit report. Does anyone know which one does that?

And, here's a tip - if you really want to track your report regularly and for free, just pull 1 every 4 months and rotate it between the 3. That will give you a free view 3 times a year. Just remember the order you pull them.

Other info...
http://ptmoney.com/annualcreditrepor...-credit-score/
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Old 04-06-2011, 11:32 AM   #11
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Just sign up to the freecredit report.com you have thirty days to cancel with no obligation.
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Old 04-06-2011, 11:39 AM   #12
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Originally Posted by Hog Farmer View Post
Just sign up to the freecredit report.com you have thirty days to cancel with no obligation.
Either freecreditreport or freecreditscore is $1 for 7 days, $14.95 after. I have freecreditreport which is $7.95.
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Old 04-06-2011, 12:24 PM   #13
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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 04-08-2011, 01:07 PM   #14
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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   #15
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This is just completely incorrect.
Seriously? PM me please
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