credit score websites
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credit score websites
looking to check on my credit score regularly for the next year or so.
any recommendations on a site for a decent cost?
any recommendations on a site for a decent cost?
If in doubt, FLAT OUT
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Equifax, TransUnion and Experian are the three major credit reporting agencies. Those are the ones you want to use because those are the ones creditors will be checking you with. The first one is free AFAIK.
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But hey... it's free... can't complain. I like how it keeps tracks of my loans, also.
It's QQ thankyouverymuch
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Is it estimated? I thought it was all of them. It still gives you a ****ton of information though. I don't check it very often. But I did check it recently. It is a little slow to update though. I checked it to see what my stuff was like since I had just paid off a bunch of debt. But i hadn't caught the pay off yet.
If in doubt, FLAT OUT
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Most of the free ones are going to be combined/estimated AFAIK. Good indicator of your standing, but not details. If you want specifics, get the free one from each of the major agencies ONCE a year. I have a service through my credit card - I pay for it, but if ANYTHING posts to my credit, they send me notification whether it is good or bad. Only have it because I had some tard steal my number and max it out in a few days before I noticed. Was a big hassle to get it fixed so they offered me the service free for a while.
Last edited by 04GG; Apr 10, 2013 at 10:20 AM.
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Depends on what you are doing this for.
If it is JUST to make sure that the information is accurate and you are made aware of new inquiries, accounts ect, then use creditkarma or the three bureaus.
If you are trying to bring your credit score up myfico.com is the only website (that I am aware of) that can show you an actual FICO score which is what lenders and banks use.
Any other score other than a FICO is not a representation of where your FICO score would come in.
If it is JUST to make sure that the information is accurate and you are made aware of new inquiries, accounts ect, then use creditkarma or the three bureaus.
If you are trying to bring your credit score up myfico.com is the only website (that I am aware of) that can show you an actual FICO score which is what lenders and banks use.
Any other score other than a FICO is not a representation of where your FICO score would come in.
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Is it estimated? I thought it was all of them. It still gives you a ****ton of information though. I don't check it very often. But I did check it recently. It is a little slow to update though. I checked it to see what my stuff was like since I had just paid off a bunch of debt. But i hadn't caught the pay off yet.
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I used to use freecreditreport.com (not free). It was a good tool in general but a bit expensive so I switched to credit karma. The tools are not as detailed and nice but it is indeed free.
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If not too late (already got your yearly free report from all 3 agencies), put it on your calendar to get a free report (not score) from one of the 3 bureaus every 4 mos. so you can most likely catch stuff that's no more than 4 months old. then repeat ad nauseam. then do a FICO score yearly or if something comes up during the year.
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Unfortunately, the law requires creditors to give out reports for free once per year, not the credit score. If you want a compiled website where it has all 3 reports, annualcreditreport.com makes it really easy to check all 3 sites; experian, transunion, and equifax. However, remember, these are not scores, they're just reports.
Don't have any experience on getting my FICO score, which is what almost everyone uses when they get your credit score.
Don't have any experience on getting my FICO score, which is what almost everyone uses when they get your credit score.
Yea, first one from each one is free annually. So what I do is use one per 4-6 months and keep them on a rotation. I dont know if they actually show a FICO number, but they do show all credit and if anything is bad
