credit score websites
#2
If in doubt, FLAT OUT
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Join Date: Oct 2010
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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.
#5
Chicks dig me. April Fool's!
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Join Date: Apr 2006
Location: Fremont, CA
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Car Info: 1997 Impreza, 2014 BRZ
But hey... it's free... can't complain. I like how it keeps tracks of my loans, also.
#6
It's QQ thankyouverymuch
iTrader: (39)
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.
#7
If in doubt, FLAT OUT
iTrader: (33)
Join Date: Oct 2010
Location: Nor Cal SJ
Posts: 7,036
Car Info: 2010 Hatch, 2011 Sedan
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; 04-10-2013 at 10:20 AM.
#8
Registered User
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Join Date: Jul 2011
Location: Sacramento
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Car Info: 04 WRX Wagon, 06 Forester XT, 99 Legacy Sedan
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.
#9
Chicks dig me. April Fool's!
iTrader: (31)
Join Date: Apr 2006
Location: Fremont, CA
Posts: 10,989
Car Info: 1997 Impreza, 2014 BRZ
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.
#11
Registered User
iTrader: (10)
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.
#12
Registered User
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Join Date: Mar 2003
Location: East Bay / Pomona
Posts: 3,670
Car Info: '02 PSM WRX
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.
#14
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