ST Alpha - "I just did the yearly free credit reports... is there something to get a free credit score? or at least a cheap legitimate one? -- nm" (Reading a Post)

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I just did the yearly free credit reports... is there something to get a free credit score? or at least a cheap legitimate one? -- nm

Posted by Will Hunting (aka JoeMetz) Oct 27 '11, 11:09

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Responses:

There is only one official FICO score - from myfico.com - Harry Lime Oct 27, 11:29
Whats the best paid one. I would like to check mine after the 6 months on repayment program with my home loan -- nm - Capstern Oct 27, 11:21 3
- I wouldn't trust anything but myfico. The actual bureaus tend to try to stick you with their fake vantage score instead of your real fico. -- nm - Ender Oct 27, 11:26 1
  - I think Equifax give you the fico score. unless they changed it. it's been a while since I've checked mine. -- nm - sycor killer 4,199,183,902nd Oct 27, 11:29
- I use experian triple advantage -- nm - decline Oct 27, 11:24
When I'm emperor of the universe, your credit reports and scores will be free on-demand as often as you want. -- nm - ty97 Oct 27, 11:16
so freecreditreport.com - that you see advertised all the time isnt good? -- nm - Capstern Oct 27, 11:15 11
- holy scambusters, only after you enter page after page of all your personal info to get to click on a contract that says you are now inrolled in some - 2 Geisty for my Zeit Oct 27, 11:29
- annualcreditreport.com is the one you want. -- nm - 4,198,574,430 Oct 27, 11:18
- Don't use them. Someone here had a hard time trying to get rid of that service. -- nm - lileve Oct 27, 11:18
- the reports are free. just not the score. -- nm - amanda romney Oct 27, 11:16 5
  - People have found they're not free, actually. They've gotten into legal trouble for that. The best site to use is annualcreditreport.com -- nm - mara Oct 27, 11:19 3
    - I didn't say they were free at freecreditreport. sorry. I assumed everyone knew the correct URL. -- nm - amanda romney Oct 27, 11:28 2
      - I assumed cappy didn't. :-) -- nm - mara Oct 27, 11:42 1
        
        point: mara. (he didn't) -- nm - amanda romney Oct 27, 11:44
  - And you have to sign up for their service in order to get the free reports. - ty97 Oct 27, 11:17
- i think it's possibly the worst one - poxie Oct 27, 11:15 1
  - but their jingle is so catchy... -- nm - Evil Beaker Oct 27, 11:16
I've heard that creditkarma.com is free and will give you a score. Not 100% accurate though but it might be a good guess just to have a ballpark - sycor killer 4,199,183,902nd Oct 27, 11:12
NPR was doing a story on that recently, the answer is no, not without paying for it. -- nm - 2 Geisty for my Zeit Oct 27, 11:12
Credit Karma will give you a score for free. It's not 100% accurate, but it's close enough for general curiosity. -- (link) - Ender Oct 27, 11:11 5
- quizzle.com and credit.com offer similar, but the details change frequently. -- nm - psilotum Oct 27, 11:20
- note: I was just 752 from experian and KK says 716. I always find them to be a bit low. -- nm - amanda romney Oct 27, 11:14 2
  - If I were buying a house or something I'd definitely splurge for the official myfico score -- nm - Ender Oct 27, 11:18 1
    - When I bought, my mortgage broker provided my scores to me. - ty97 Oct 27, 11:23
- beat me to it. -- nm - sycor killer 4,199,183,902nd Oct 27, 11:13
The only pain in the behind is the trying to cancel it, once they latch onto a paid credit card. They tend to charge the monthly heck out of it -- nm - budice Oct 27, 11:11
Seems like last time I did it the FICO was something like $7.95. -- nm - MojaveMeg Oct 27, 11:11
Nope - Brian Oct 27, 11:10
not the last time I checked. just the report is free. but the score shouldn't be expensive. -- nm - loosilu Oct 27, 11:10 1
- starting next year, aren't scores free? speaking of, I just got a new credit card and they gave me my score -- 752. not so shabby, considering... -- nm - amanda romney Oct 27, 11:10

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