Credit Report

[wildcard451 0]

What's the easiest way to get one PLUS your FICO score?

Anyone actually used http://freecreditreport.com? Any trouble with spam or anything afterwards?

http://annualcreditreport.com is listed as the official yearly report site, but I'm always skeptical about my financial identifying info.

I'm kinda curious as to what mine is these days, and trying to get it with as little hassle as possible.

[LadiDadi 0]

As I just found out, the easiest way to get a copy is to have someone lose a truckload of computer data tapes with your personal information stored on them. Then you can get free reports from each of the big three (Equifax, Experian and TransUnion).

You can also get free reports if you've been turned down for credit of any kind in the past 30 days.

I did the Free Credit Reports thing years ago and I don't remember if it had a FICO score or not. I do remember that it was a pain in the ass to convince them that, no, seriously, CANCEL my membership.

Just remember, every single time your credit history is pulled up - depending on how it is done - your score goes down. If you have access to a mortgage broker who is civilized and not sleazy, ask him or her to do it. They always know how to do it where it won't hit your score and get the FICO as well. If I remember correctly, they can look at your FICO without having to pull your credit history.

If you can't laugh at yourself, I'll be happy to do it for you.
****************************
Be like the cupcake and suck it up.

[TrophyHusband 0]

i've used annualcreditreport.com and it was fine. to get your score you have to pay each agency $7 or $8 to get your scores.

"Your scrotum is quite nice" - Skymama
www.kjandmegan.com

[LisaH 0]

I would go with Equifax

http://www.equifax.com/home/

Be yourself!
MooOOooOoo

[nanook 1]

Equifax is the only one that gives a "true" FICO report. Experian and TransUnion use their own calculations and give their own names for them. They have drawn criticism because consumers believe that the agencies let the customers believe they were Fair Issac's calculations rather than products used specifically to sell to customers. Experian and Trans Union scores are usually referred to FAKO scores.

There is no "official" anything (outside of marketing). The three reporting agencies are the for-profit business that rates credits for creditors and lenders. There's no govt agency that rates your credit.

_____________________________

"The trouble with quotes on the internet is that you can never know if they are genuine" - Abraham Lincoln

[Nutz 0]

Are you guys serious????? Each one of the credit reporting agencies has an office in your town. (Or the "big city" nearby.) go by the office. They each owe you one free credit report per year. You should check them all three every year to make sure they are accurate.

You are welcome.

"Don't! Get! Eliminated!"

[nanook 1]

He asked for the score, not the actual report.

_____________________________

"The trouble with quotes on the internet is that you can never know if they are genuine" - Abraham Lincoln

[Rstanley0312 1]

They are not obligated to give you a score just the report. I would suggest using annualcreditreport.com. i use them every year and it is no big deal. If you want a score you have to pay for it but the site directs you to the individual agencies to get the report so if you get a score it is from that agency. It will not hurt your credit at all to do this as it pulls as a consumer pull or soft hit and is allowed once a year. If you have been turned down by a creditor you can get another report for free and if you apply for a mortgage the bank or lender is obligated now to give you your scores as reported to them. If you go to the agencies themselves in your city you will still have to pay for the score.

Blues!!
Rob

Life is all about ass....either you're kicking it, kissing it, working it off, or trying to get a piece of it.
Muff Brother #4382 Dudeist Skydiver #000
www.fundraiseadventure.com

[nanook 1]

Quote

They are not obligated to give you a score just the report.

OOps. Forgot to mention that. You are right. The score is a product they make whereas the information they collect on you is by law information they have to disclose.

_____________________________

"The trouble with quotes on the internet is that you can never know if they are genuine" - Abraham Lincoln

[DougH 270]

myfico.com

The rest of them are fako scores, not fico scores.

"The restraining order says you're only allowed to touch me in freefall"
=P

[PLFXpert 0]

It doesn't sound like you've pulled your credit before.

So, it seems you'd be eligible for the annualcreditreport.com. Get all three reports, and just purchase one score if you need it. Go with Equifax's score.

Freecreditreport.com will enroll you in a credit-monitoring service, which you can cancel without being charged, but if you forget you'll be automatically charged for that service when it is due to renew.

Either way, get all three reports--they're free.

And budget the $15 to check one quarterly and all three (for free) once/year.

It is wise to check your credit regularly on a quarterly basis. And it's best to do so online as it will be easier to dispute any inaccuracies and all three agencies are more responsive to this method.

Paint me in a corner, but my color comes back.

[Rstanley0312 1]

Just curious.... why are you suggesting Equifax? A lender will use whatever agency they are signed up with and a mortgage lender will use the middle score. Any of the agencies could be the middle score so why suggest Equifax? As for the "fako scores". annualcreditreport.com goes straight to the individual agencies so they are going to be your actual scores for them individually if you choose to pay for said score.

Blues!!
Rob

Life is all about ass....either you're kicking it, kissing it, working it off, or trying to get a piece of it.
Muff Brother #4382 Dudeist Skydiver #000
www.fundraiseadventure.com

[skyjumpsteve 0]

wildcard, using annualcreditreport is exceptionally fast, easy, and safe. You type your info in once and it will take you one at a time to each of the three credit reporting sites. Each site will immediately give you the exact report you would have received if you had gone directly to each site. Each agency will give you the option of printing or saving the file. They may ask you if you want to purchase something else but just click no and you will be onto the next. I used to get these through the mail years ago and I can't believe how much faster and easier it is now.

If you want the FICO score you have to pay for it but it is cheap.

annualcreditreport (and some of the agencies) will ask you if you want to be reminded next year when you are able to get your report again for free. Very nice.

I have never gotten spam or e-mail offers after using this site each year.

[nanook 1]

Quote

Just curious.... why are you suggesting Equifax?

Equifax shows the fico score that they are paying for. What the lenders see is what you see.
When you are going to Trans Union or Experian, they sell you their own version (Credit Score, PlusScore, ScoreX, Vantage ) which they are trying to legitimize. Their scores are for "educational purposes" only.
They still, however, use FICO. That is what the lenders are seeing when they see three scores, not the "educational tools".
You don't have to go to Equifax. you can go straight to the source. . .FICO.com.
If you want TransUnion FICO, go to transunioncs.com, not transunion.com. I don't know about Experian.

_____________________________

"The trouble with quotes on the internet is that you can never know if they are genuine" - Abraham Lincoln

[skymama 37]

Good Morning America just had a segment on this.

AnnualCreditReport.com is still the official site set up from the government and was the recommended site.

They talked about "credit rescoring" that a mortgage lender can do if you feel your score isn't high enough. Apparently when you fix it through the lender, it can be done in 3 days as compared to the normal 45 days when consumers do it. They sited an example of one man whose score went up 128 points because he found someone else's bad credit on his report. It made the difference as to whether he qualified for a home loan or not. The reporter made sure to point out that "credit repair" that some companies offer and is a paid service is not the same thing and to stay away from it.

She is Da Man, and you better not mess with Da Man,
because she will lay some keepdown on you faster than, well, really fast. ~Billvon

[Rstanley0312 1]

That is the first time I have ever heard that? So you are teling me that the agencies have two scores that they offer? If I go to TU or EFX I get the same scores that I do when I pull a tri-merge on myself. I have been in the financial sector for 9 years and was a mortgage banker so that is where I get my knowledge. I do know that the agencies try to sell you a "range score" and those are not accurate but when you actually pay for your score it is the same one that I would see as a lender. Huh...... I think I am a little confused but oh well. I do know if you go to annualcreditreport.com and pay for every score it is your accurate score for each agency. Stick with them and you will be good to go.....

Oh and the "quick score" tool is great! I do not know whay it is not offered to consumers. It's our credit after all!

Blues!!
Rob

Life is all about ass....either you're kicking it, kissing it, working it off, or trying to get a piece of it.
Muff Brother #4382 Dudeist Skydiver #000
www.fundraiseadventure.com