Want to check credit score, Whats the cheepest way to get your score?

[fake_usa]

I know there are three places to get your score from but I've see websites that get your score from all three places for a discount.

Does anyone have any recommendations on where or how I should get my credit score checked.

Will getting it checked by all three places effect my credit?
Should I maybe only get it scored by one creditor?

thx

[sweeps]

Re: Want to check credit score, Whats the cheepest way to get your score?

How about getting a 30-day trial from MyFico "Score Watch" then cancel before the month is up.

Another (more honest) route would be to get their "Standard" score report for $16 which includes scores from the big 3 creditors.

I wouldn't choose just any place to pull your score. There are a lot of scammers out there.

[poundwise]

Re: Want to check credit score, Whats the cheepest way to get your score?


Not the cheapest route but smooth and comprehensive...

myFico.com
FICO Deluxe, $47.85
All 3 credit scores and credit reports from each bureau

link

[autoxer]

Re: Want to check credit score, Whats the cheepest way to get your score?

Will getting it checked by all three places effect my credit?
Should I maybe only get it scored by one creditor?

Don't get it checked by a creditor. That will put an inquiry on your credit report and that will lower score temporarily. The only place to get your true FICO score is from MyFICO.com. The CRA's (equifax, transunion & experian) will sell you FAKO scores, which aren't nearly as accurate.

If you want to check your credit report, but don't care what the score is, then get your reports for free from www.annualcreditreport.com.

Are you preparing for a specific loan?

[sweeps]

Re: Want to check credit score, Whats the cheepest way to get your score?

Oh, if you do end up buying through MyFico (and not going the free trial route), search Google for MyFico coupons. You should be able to get a 10 or 20% discount.

[Ima saver]

Re: Want to check credit score, Whats the cheepest way to get your score?

I only paid about $7.95 for my score. I got mine thru equifax.

[fake_usa]

Re: Want to check credit score, Whats the cheepest way to get your score?

Are you preparing for a specific loan?

Well I plan to buy a home within the next year, so I'm preparing a little ahead. I just don't want any surprises. I've never seen or checked my credit score so I'm just interested.

[fake_usa]

Re: Want to check credit score, Whats the cheepest way to get your score?

thanks everyone for all the great advise !!

[scfr]

Re: Want to check credit score, Whats the cheepest way to get your score?

If you live in a state that qualifies for free credit reports, as mentioned above, you can get your reports for free from annualcreditreport.com. If you pay a little extra (around $6-8 per credit company, I believe) you can add your credit score.

Here's a little "learn from my mistake" advice: Be sure to get all 3 reports & scores! When we bought our first home many years ago, I started checking my credit reports & scores. At the time, there were no free reports, and we had to pay for them. When the first two reports came back identical, I decided to save a little $ and skipped the 3rd report. Of course, that 3rd credit report was the one our lender used and it included one of my mother's credit cards that had an outstanding balance. [She had added me to one of her cards when I was studying abroad, to be used for emergencies only. She never had me taken off of it. And, she was carrying a balance on it ... tsk, tsk.] It delayed our loan process by a couple weeks, which was quite nerve-wracking.

Good luck to you!

[fake_usa]

Re: Want to check credit score, Whats the cheepest way to get your score?

Here's a little "learn from my mistake" advice: Be sure to get all 3 reports & scores! When we bought our first home many years ago, I started checking my credit reports & scores. At the time, there were no free reports, and we had to pay for them. When the first two reports came back identical, I decided to save a little $ and skipped the 3rd report. Of course, that 3rd credit report was the one our lender used and it included one of my mother's credit cards that had an outstanding balance. [She had added me to one of her cards when I was studying abroad, to be used for emergencies only. She never had me taken off of it. And, she was carrying a balance on it ... tsk, tsk.] It delayed our loan process by a couple weeks, which was quite nerve-wracking.

Good luck to you!

great advice, thanks!

[vsjhoc]

Re: Want to check credit score, Whats the cheepest way to get your score?

Everyone can get a free report annually from each bureau at www.annualcreditreport.com.

Residents of some states such as Maryland, Massachusetts, and New Jersey can get an ADDITIONAL report for free or at a reduced rate. See the table at http://www.bankrate.com/brm/news/cc/20010223c.asp.

In addition to the annual report, if you have been denied credit, insurance or a job you have a right to a free copy of the report they relied on. Also if you are receiving public assistance or are unemployed you can get free reports in addition to your annual reports (conditions apply). Ditto if you're a victim of fraud.

Make sure you get only a FICO score. You can get a free estimate of your FICO score (expressed as a range) at http://www.bankrate.com/brm/fico/calc.asp?lpid=BKRATE29.

[rickatheslicka]

Re: Want to check credit score, Whats the cheepest way to get your score?

Yeah, definitely get all 3 reports for free now through www.annualcredit.report.com Clear up any errors. Then, when the new year gets here, you can stagger your 3 free reports throughout the year like Jeffrey recommends.

I didn't know that only the FICO score was correct... Now I'm wondering about the score I paid $7.95 for from Equifax...

It's great that you are looking into these things now. We started about 9 mos in advance of buying our house. There was a negative error on my account that took all 9 mos to correct.

Best wishes!

[KellyJef]

Re: Want to check credit score, Whats the cheepest way to get your score?

You can get a free estimate of your FICO score (expressed as a range) at http://www.bankrate.com/brm/fico/calc.asp?lpid=BKRATE29.

thanks for posting this site!

Hope it's really fairly accurate: mine came out 780-830

[vsjhoc]

Re: Want to check credit score, Whats the cheepest way to get your score?

thanks for posting this site!

Hope it's really fairly accurate: mine came out 780-830

Woo hoo, you are golden! Keep up the good work to keep it up there.

[autoxer]

Re: Want to check credit score, Whats the cheepest way to get your score?

I didn't know that only the FICO score was correct...

I knew something was up when Experian told me my plus score ranged on a scale of 330 - 830 & Transunion told me the range was 400 - 925. They aren't going to be the same scores that the creditors will see, becuse the credit reporting agencies don't want to pay FICO to use their scoring model. The bankrate calculator could be just as accurate as the CRA's guess.