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sunnyca
Joined: 10 Sep 2009
sunnyca's page
Posts: 150
950 Magic Points
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Thu Sep 24, 2009 5:03 am
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If you have bank accoutn with bank of America you cna use thier free credit report service. It is free for 30 days and you need cancel before that or you will get charged
Also if you have American Express credit card, theya slooffer simialr service free for 30 days and you will ahve to pay after 30 days
Both of them give your credit score alogn with yrou credit report
All is needed is, you need to be vigilant and cancel this before 30 days once you sign up |
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andybell
Joined: 11 Aug 2009
andybell's page
Posts: 17
199 Magic Points
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Fri Sep 25, 2009 6:27 am
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| Well, fireyone, I try my best to avoid any confusion whatsoever. My finance management skills are not good and I am really not interested in all those details and the only way I know to avoid these confusions is just to keep credit score over 700 and that's it. |
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kelwllc
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Subject: Free Scores - NO CREDIT CARD REQUIRED
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Fri Oct 02, 2009 9:27 pm
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Believe it or not, there are two sites that offer a free score with no credit card! It only took me 4 months to find them, lol.
CreditKarma.com - Receive daily score from TransUnion (I verified this is the exact score TransUnion has; it's not one of those weird fabricated 'guestimate' scores)
Quizzle.com - Receive a FREE Experian report and score from Experian every 180 days
Unfortunately, I haven't found a freeby from Equifax yet. But I use the other 2 and have cross-referenced the info thru TrueCredit.com - it all checks out - pretty awesome! |
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sunnyca
Joined: 10 Sep 2009
sunnyca's page
Posts: 150
950 Magic Points
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Sat Oct 03, 2009 5:05 am
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Thats really good information and really helpful information
Do they just gie you the score ot they also give you the full report |
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sunnyca
Joined: 10 Sep 2009
sunnyca's page
Posts: 150
950 Magic Points
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Sun Oct 04, 2009 6:23 pm
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some one else posted somewhere here creditkarma and another site quizzle. Both fo them are free and no hidden fee or ano credit card is needed
You cna free credit report and score and an update every 6 month with yoru credit score
try it, they look promising |
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sunnyca
Joined: 10 Sep 2009
sunnyca's page
Posts: 150
950 Magic Points
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Sat Oct 10, 2009 3:43 am
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I just used credit quizzle to get my latest report and it was pretty good and easy
No credit card information needed nor your social security number
Some tiems it is scary that any one can pull a credit report with out even knowing the social security, but just need to be watchful |
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Gina
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Sun Oct 11, 2009 1:30 am
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| You can obtain a free credit score from creditkarma. It is free to sign up and you can update your score as often as you want. I am not sure of the accuracy, but have been told it is pretty accurate. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3735
10 Magic Points
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Sun Oct 11, 2009 4:20 am
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Gina,
I have not seen one yet that actually gives you a free score, I have seen them where they will provide you a free report, but the score always cost money. Have you actually gotten your score from this site?? |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4124
1011 Magic Points
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Mon Oct 12, 2009 1:08 am
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| That is my question also. How can a person be sure that this site isn't some way attaching your information. If you can view it then maybe others, possibly the site owners, could also view it. I am not trying to say it isn't legit...I am just saying for all the more a score costs why take they chance in having someone steal your information? That could really lead to damages that can be unrepairable, it what you feel you want to do but I would just be a little wary. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3735
10 Magic Points
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Mon Oct 12, 2009 1:51 am
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Yes fireyone, that is a real concern and you see it happening more and more. I work with a guy that just had his credit card heisted online, he had to shut it down, they charged two small items but tried a larger one from overseas and that is when the credit card company alerted him to the charges.
He is really preaching now about using your card online, I always use paypal to get the extra protection.
Identitiy theft is a real concern, great advice here. |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4124
1011 Magic Points
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Tue Oct 13, 2009 10:17 am
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| Paypal is an excellent source for purchasing items on line. I also stopped at Wal mart for money orders the other day and seen they had a bunch of pre paid cards for Visa and other companies. This would be another way of making secure on line payments. It is simple to just go purchase a prepaid card for the amount of what you plan on spending and then using it. This would be really helpful to those whom do not do a lot of on line purchases. It would help protect against fraud and prtect your identity. |
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Ruthie
Joined: 15 Oct 2009
Ruthie's page
Posts: 49
1008 Magic Points
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Subject: Free Scores
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Thu Oct 15, 2009 5:39 am
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 Hi, I do know that when you are denied credit, you can get one free. Also some banks will get you one if you ask and you are a regular customer. They usually don't charge for it either. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3735
10 Magic Points
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Sun Oct 18, 2009 12:03 am
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Yes ruthie, normally they will send you a letter telling you exactly how to obtain it.
I am not sure if you can go online and get the copy as a result of a denial or not. |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4124
1011 Magic Points
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Mon Oct 19, 2009 12:17 am
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| Another thing is if you already used your free pulls and you got denied after using them you may not be qualified for a free look. I have seen those letters where they say you are denied, gotten them myself a long time ago. I just wonder if you have already used your free pulls and get a letter if you can get the extra views of your report since you were denied. |
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sunnyca
Joined: 10 Sep 2009
sunnyca's page
Posts: 150
950 Magic Points
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Mon Oct 19, 2009 1:23 am
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| If you are denied for any new credit, you have the right to get a copy of your credit report, regard less of if you pulled the free report ornot |
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