Your Credit Score

how do i get my credit score?

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Dadummy

Joined: 15 Nov 2007
Dadummy's page
Posts: 638

76 Magic Points

Subject: how do i get my credit score?

Mon Jan 07, 2008 9:34 pm

how do i get my credit score and do i have to pay?also what kind of imformation do i have to give them?

Dadummy

Joined: 15 Nov 2007
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Posts: 638

76 Magic Points

Subject: how do i get it

Mon Jan 07, 2008 9:35 pm

is my credit report free

Laura

Joined: 21 Jun 2007
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Posts: 1408

34413 Magic Points

Tue Jan 08, 2008 9:04 am

you can go to annualcreditreport.com for a free yearly credit report. Some states allow you twice in a year.

The information that they require on the site are general information like name, current address, previous address, date of birth, SSN.
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Regards,
Laura.

erb1953

Joined: 31 Dec 2007
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Posts: 631

4 Magic Points

Wed Jan 16, 2008 11:18 pm

As Laura said you can get a copy of your credit report free of charge, you can get one from each of the three credit reporting agencies. I would suggest that you get one from each of the companies a few months apart so that you can monitor them a bit and watch for changes rather it be good or bad.

August

Joined: 09 Jan 2008
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Posts: 144

40 Magic Points

Tue Feb 05, 2008 1:31 am

I would like to pull mine also, but want to wait until I will be able to see a big difference, usually twice a year is good, you can see what has happened over a period six months, that is a good time frame.

August

Joined: 09 Jan 2008
August's page
Posts: 144

40 Magic Points

Tue Feb 05, 2008 1:35 am

Quote:

Too many of us look upon Americans as dollar chasers. This is a cruel libel, even if it is reiterated thoughtlessly by the Americans themselves.

Do not be fooled into believing that because a man is rich he is necessarily smart. There is ample proof to the contrary.

See what the wise men thought of money!!!!!!!!!! Root of all evil

Laura

Joined: 21 Jun 2007
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Posts: 1408

34413 Magic Points

Tue Feb 05, 2008 9:20 am

Excellent August Smile

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Regards,
Laura.

Morningstar

Joined: 17 Apr 2007
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Posts: 608

15 Magic Points

Tue Feb 05, 2008 11:08 am

You can buy your FICO from myfico.com. Experian, Transunion and Equifax have created their own scoring system--also for sale. While it may be comparable to a FICO score, it is still not the same. I think Wamu has an account or credit card that includes some form of credit score/monitoring service.
_________________
I don't dream since I quit sleeping

August

Joined: 09 Jan 2008
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Posts: 144

40 Magic Points

Tue Feb 05, 2008 11:18 pm

Is there no way to get your fico for free? What if you were recently turned down for something? Is the fico included in that report that you can request?

Morningstar

Joined: 17 Apr 2007
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Posts: 608

15 Magic Points

Tue Feb 05, 2008 11:19 pm

Well, you might find out if you try to buy a car...the dealer may or may not be honest with you.
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I don't dream since I quit sleeping

August

Joined: 09 Jan 2008
August's page
Posts: 144

40 Magic Points

Thu Feb 07, 2008 11:50 pm

So, I will have to wait until I purchase something before I can get this score for free, well, guess I won't be getting mine anytime soon, I am trying to pay debt and raise my score. Maybe it is something that I will consider down the road, but not at this time.

Fasfeed

Joined: 06 Feb 2008
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Posts: 87

3188 Magic Points

Tue Feb 12, 2008 1:46 am

Sometimes credit grantor want give you your score.

Laura

Joined: 21 Jun 2007
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Posts: 1408

34413 Magic Points

Tue Feb 12, 2008 9:22 am

The best way to find your score is through the bureaus. Do a credit pull and find out. You pulling your credit report will not affect your score.
_________________
Regards,
Laura.

diem

Joined: 20 Feb 2008
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Posts: 97

183 Magic Points

Wed Feb 20, 2008 10:50 pm

The only place you should be purchasing your score from was posted above: myfico.com

They also have a nice "emulator" which you can change things and estimate what your score would be if you paid down debt, added credit, a car loan and so forth. It's a must have resource.

goodnatured

Joined: 03 Nov 2007
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Posts: 2908

529 Magic Points

Sun Mar 16, 2008 12:59 pm

I have never been to this webpage I will definately go there and check it out, I like the idea of them telling you what it could be. Do you have any idea what this costs?
_________________
Goodnatured,

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

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