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bsimple0700
Joined: 11 Aug 2008
bsimple0700's page
Posts: 2
98 Magic Points
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Subject: My Credit Score?
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Mon Aug 11, 2008 6:26 am
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| How can I find out my credit score for free. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3927
57 Magic Points
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anthony
Joined: 31 Jul 2006
anthony's page
Posts: 516
13574 Magic Points
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Tue Aug 12, 2008 7:01 am
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Hi bsimple0700
One credit report is free in a year from each of the three credit reporting agencies, but you need to purchase the credit score or your FICO score which is not available free of cost. You can purchase your credit score form myfico.com or you can also purchase it from the three credit bureaus.
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Anthony Marx
A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible. |
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Justin
Joined: 17 Jul 2006
Justin's page
Posts: 1240
28942 Magic Points
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Tue Aug 12, 2008 8:21 am
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There are many online business that offers free credit scores, but for that you need to sign up with any of their credit services. For example, Washington Mutual ESPN credit card offers free FICO score through Transunion if you hold their credit card. Myfico also offers free credit score for a period of 30 days and then charges a one time annual payment of $89.95.
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All the Best 
Justin |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4285
140 Magic Points
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Tue Aug 12, 2008 4:49 pm
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| That seems like an awful ot to get your score. Does anyone know what a one time inquiry would run? |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3927
57 Magic Points
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4285
140 Magic Points
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Thu Aug 14, 2008 1:17 pm
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So are you telling me that my report would take a ten point hit just by asking for my score? That s stupid.. No I will hopefully make it today.
I have to laugh evertime I think of cody the creit cowbay I see this image of the cowboy from toystory. |
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Paramjit Kaur
Guest
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Subject: Need to make good credit
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Wed Dec 10, 2008 1:51 am
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| Please give me my present credit report. |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1307
Location: Los Angeles, California
29565 Magic Points
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Wed Dec 10, 2008 7:26 am
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Hi Paramjit
To get a credit report you need to apply one from annualcreditreport.com. However, the three credit bureaus also offer one free report every year as per the Federal law. But if you want more than one report from a bureau you need to pay for that additional copy.
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Keep in touch
Carol |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889
1387 Magic Points
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Subject: credit
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Sat Dec 13, 2008 10:03 am
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| If you go to Annual Credit Report ( dot) com, you pay just $5.00 ( or something like that, not very much..) to get your Credit score. |
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Doc
Joined: 02 Dec 2008
Doc's page
Posts: 184
Location: McKinney, TX
1157 Magic Points
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Sat Dec 13, 2008 1:15 pm
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Reports are free once a year, but scores always cost...
Or, if you've been denied credit, a job, or a rental opportunity, based on your credit, you will receive a written letter that you can forward to the bureaus to obtain a copy also.
There is no "set" number of points that an inquiry can "cost you". It is variable... One thing is for sure though... Multiple inquiries in a short period of time, spread out out over different types of credit requests is very bad...
For example, a mtg inquiry, then a credit card inquiry, then a loan inquiry, then an employment inquiry, then a collection inquiry....
A common misconception though, is that if you have a single car dealership pull your credit 10 times n a single day, that those inquires are all counted separately against you. In a situation where you are "shopping", for mortgages or cars, for example, the score counts multiple auto or mortgage inquiries in any 14-day period as just one inquiry. In addition, the score ignores all mortgage and auto inquiries made in the 30 days prior to scoring. So, if you find a loan within 30 days, the inquiries won't affect your score while you're rate shopping.
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-Doc Compton, Omega Credit Repair
I provide info for free, & all I ask is that you visit my site... I don't wanna sell you anything, I just wanna increase my traffic, and push my site up in the search engine rankings...
http://www.omegacreditrepair.com |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4285
140 Magic Points
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Sat Dec 13, 2008 2:46 pm
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| Thanks a lot for clearing that up. How long does debt collector inquiries stay on your report? I have heard different periods of time. I think it is a really wise idea that the auto and mortgae inquiries do not stay on for long. A wise person will always shop around for the best deal or mortgage loan. Usually if I am just shopping for a vehicle I will request they do not run a credit check until I have completely made up my mind. I tell them why so I do not look like I am hiding something. |
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Doc
Joined: 02 Dec 2008
Doc's page
Posts: 184
Location: McKinney, TX
1157 Magic Points
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Sat Dec 13, 2008 5:10 pm
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Two years on all "hard" inquiries. Some companies used by mortgage officers and car dealerships will only SHOW the last 30, 60, or 90 days, but trust me they matter, and they stay on your actual credit reports for 2 years...
_________________
-Doc Compton, Omega Credit Repair
I provide info for free, & all I ask is that you visit my site... I don't wanna sell you anything, I just wanna increase my traffic, and push my site up in the search engine rankings...
http://www.omegacreditrepair.com |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4285
140 Magic Points
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Sun Dec 14, 2008 12:55 am
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| Gosh thats a really long period. I wonder why the all the collection time limits are set as they are and why they are never redone. Not trying to advocate for the person who goes delinquent on their debt but that 7 years is such a long period. I would like to see them shorten it at some point. Not every person who messes up their credit did it because they felt like it..some really have really good reasons like illness,job loss and loss of a spouse. |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889
1387 Magic Points
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Subject: credit
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Sun Dec 14, 2008 7:02 am
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| Ok......so, 'Hard Inquiries' can lower your score, too. If there is a 'Hard Inquiry', on your CR, and it's MORE than 2 years old, can you 'dispute' it? i would think it wouldn't be difficult to take off, since it's not a debt, or anything like that. |
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