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HomeCredit ForumYour Credit Score

how do i get my credit score?

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charles.armbruster

charles.armbruster

Joined: 14 Mar 2008
charlesarmbruster's page
Posts: 27
Location: Mesa, AZ


1355 Magic Points
 
 Posted on Tue Mar 18, 2008 6:22 pm  
Although www.myFICO.com is a super site for education, it is a 'for-profit' organization -- you can buy your credit report here. This is free advertising, folks.
 
Laura

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1409



34324 Magic Points
 
 Posted on Wed Mar 19, 2008 10:34 am  
Is there anywhere else who are trustworthy and would give perfect report?
_________________
Regards,
Laura.
 
charles.armbruster

charles.armbruster

Joined: 14 Mar 2008
charlesarmbruster's page
Posts: 27
Location: Mesa, AZ


1355 Magic Points
 
 Posted on Wed Mar 19, 2008 5:52 pm  
All third party sources of credit used by the lending community. As a loan officer, I use an agency that pulls all three reports just as MyFICO does -- I can pull single reports, just as they can.

The public can go anywhere, but the MyFICO site is very trustworthy, to use your words, when someone wants their score -- they do need to pay for it.

To address gliches and errors on your credit report, the free websites are just fine -- just try to avoid paying any fees, because they will rope you in.
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2030



10771 Magic Points
 
 Posted on Tue Mar 25, 2008 12:11 am  
Yes I seen some of the fees associated with these sites and they can rope you in. I don't mind paying for it either. I noticed when I pulled my report from one of the free agencies I didn't see my score..was it there and I over looked it?
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 2632



4999 Magic Points
 
 Posted on Tue Mar 25, 2008 2:03 am  
I think that you have to pay for your score if you want it, I haven't wanted to see mine that bad, I know it is not where I want it to be right now, so I will wait awhile.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2030



10771 Magic Points
 
 Posted on Tue Mar 25, 2008 11:35 pm  
I am not going for loans anytime soon and I know there are things that need to fall off. They should shortly so maybe next year I'll pay the piper and look.
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 2632



4999 Magic Points
 
 Posted on Thu Mar 27, 2008 11:46 pm  
Sounds like a good decision fireyone.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
Laura

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1409



34324 Magic Points
 
 Posted on Fri Mar 28, 2008 8:44 am  
Yes its commendable. I would do a credit check once a year to at least know the status.
_________________
Regards,
Laura.
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 2632



4999 Magic Points
 
 Posted on Sun Apr 06, 2008 11:49 pm  
Once a year seems okay Laura, you just need to watch out for identity theft.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2030



10771 Magic Points
 
 Posted on Fri Apr 18, 2008 2:41 pm  
That is soo very true. I love those funny free credit report.com commmercials.
 
ltcarlson



Joined: 22 Apr 2008
ltcarlson's page
Posts: 1



39 Magic Points
Subject: My FICO
 
 Posted on Tue Apr 22, 2008 8:28 pm  
It's about $15 to get your FICO score from myfico.com. There is a free trial which I'm sure is for a credit monitoring service. That will probably be helpful as long as you cancel before they charge you an arm and a leg.
 
cbass1017



Joined: 01 Feb 2008
cbass1017's page
Posts: 89
Location: PA


350 Magic Points
 
 Posted on Wed Apr 23, 2008 2:31 am  
I can't stand places like that. How can you call it free if you have to pay for something else to get it. It's very mis-leading.

I just don't see the importance of knowing your credit score. Why pay someone to tell you if its going up or down. If you pay me $5 and tell me how you are paying your bills I can tell you if it has gone down or up, Ha Ha(plz don't take me seriously.)

I do pull my own credit reports to make sure that everything is in check and that my identity is not being stolen, other than that I will just keep paying my bills on time knowing that it is increasing my credit score.
_________________
Scott McKay
DiYCreditGuide.com
 
cuteolddog



Joined: 27 Apr 2008
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Posts: 1



34 Magic Points
 
 Posted on Sun Apr 27, 2008 9:46 pm  
or you go to this commercial site link deleted- Richard
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 2632



4999 Magic Points
 
 Posted on Tue Apr 29, 2008 11:36 am  
It should be free in my oppinion, but where there is a market for something there is always a scam to go a long with it.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
george

george

Joined: 06 Jul 2006
george's page
Posts: 75



2859 Magic Points
 
 Posted on Thu May 08, 2008 6:09 am  
I too agree with cbass1017 on this point that if we need to pay some amount, even if small, to get the FICO score, then how can we call it free.
_________________
George Miranda

Money does not buy happiness. Happiness is found in being content with who you are and what you have.
 
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