Get your FICO score FREE! No obligation.

[disneysteve]

MyFico.com is offering a Free Fico Credit Score to anybody who logs into their Message Board / Forum. The Credit Score is from Equifax. Details are at this site:

FICO Forums - FICO Forums

The offer is for the first 10,000 people so do it quick. There is totally no obligation. I just got mine (779) so it is legitimate.

If you aren't already signed up with the forum, just register and then you can follow the link to the score.

[Pitman]

Thanks for the heads up Steve.

[kork13]

Cool, thanks alot Steve. This is actually the first time I've seen my credit score (never bothered to buy it yet), so woohoo...

[GREENBACK]

That's pretty neat. Never been to that site before. My score is 791 which was a lot higher than I thought it would be but glad to see that

[paladin]

Thanks for the info. Just got mine.

[hmd2009]

Thanks, Steve! 646, yikes!

[sweeps]

Thanks Steve. 782. I like that it says key factors affecting your score. It says I just opened a new credit account -- I just refinanced my mortgage, so that makes sense.

[disneysteve]

What bugs me is that mine says that it is lower because I have a consumer finance account in my history and that those are companies that lend to people who can't get traditional loans. The account in question was one of those interest-free deals when we bought our bedroom furniture. I had no idea at the time that those offers reflect badly on your credit report and score or I wouldn't have done it. I certainly don't need non-traditional financing.

[gamecock43]

Thanks! I did it and am at 792. yipppeee!

[Joan.of.the.Arch]

Neat. Thanks. DH and I both did it. I'm at 791, down from the last time I knew what is was (815).

[Sweets]

745

I thought it was a bit higher....

But my utilization is high on one of my cc.....
That should be taken care of in the next few month...

[littletoobigformybritches]

Thanks Steve! I've never seen my score before, so that was kind of cool. So now I have a question: if my score is 797 and my husband's score is 730, how would they combine if we both applied for say a mortgage? Do they average? Take the highest, lowest, come up with their own score? Does anybody know? TIA.

[GREENBACK]

What bugs me is that mine says that it is lower because I have a consumer finance account in my history and that those are companies that lend to people who can't get traditional loans. The account in question was one of those interest-free deals when we bought our bedroom furniture. I had no idea at the time that those offers reflect badly on your credit report and score or I wouldn't have done it. I certainly don't need non-traditional financing.

I was thinking of doing a 0% loan on a few kitchen appliances. I may re-think that after reading this. Do all of those deals do this?

[Cassandra]

Mine is 703. Mine says it is low because I have a short credit history (not much I can do about that) and that I have used up too much of my credit limit. The highest I I have ever had on my credit card was a little over $700 (out of $1000) because of books and school supplies, several months ago. I am happy with this score-it will go up as time goes on.

[feh]

Thanks Steve.

I check my credit report maybe once a year, but it doesn't include a FICO score. I always wondered what it was (783).

I'd be interested in the detailed equation used to come up w/ these scores. My wife and I have no debt, no blemishes on our credit report, and one credit card. I would've thought my number would be higher. Perhaps it's because we use the CC often?