Where can you safely get your credit score for free? - Blu-ray Forum

Member-38928 · 06-19-2010, 09:51 PM

Where can you safely get your credit score for free? I see a lot of websites that offer free credit score but I don't know who to trust. Seems to me there was a trustworthy place you could get a free credit score once a year but I forgot.

thoughts?

tks

JimShaw · 06-19-2010, 10:23 PM

Quote:

Originally Posted by sc1957

Google is your friend

"This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion."

But if you are looking for the FICO score, I don't think the score comes with the free credit report from the credit companies

chefazn · 06-19-2010, 10:46 PM

Some credit cards give it to you for free, like Providian.

Steve · 06-19-2010, 10:49 PM

With all the ones I've ever looked at you have to sign up for their credit monitoring service before you can get your FICO score, which is BS IMO.

chefazn · 06-19-2010, 10:53 PM

I just checked and Providian doesn't work anymore lol.

Member-38928 · 06-20-2010, 02:32 AM

Quote:

Originally Posted by sc1957

Google is your friend

"This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion."

Thanks, though I cannot find a free report from any of those 3, but that is online, I will call them next week sometime.

wilky61 · 06-20-2010, 02:38 AM

I don't think you can find out the actual number for free.
I tried from one of the three (Experian/Transuninon/etc.) a few months back, and the free credit report just lists your monthly histories, etc. The score cost like $7.95, but all of my payments have been on time so I didn't bother requesting that.

Member-38928 · 06-20-2010, 02:54 AM

I don't need mine for any particular reason, I am just curious what the number is, I know its at least in the mid to high 700s.

JimShaw · 06-20-2010, 05:29 AM

To get a free report form the three reporting companies, all you have to do is mail a note to each companies stating that you want a copy of your credit report. They have to give you a free report which will not have the FICO score. You will need to send them your name, address, birth date, soc. number.

MyBlu-rayBrotherEd · 06-20-2010, 08:20 AM

Funny how freecreditreport.com isn't free.

Steve · 06-20-2010, 11:37 AM

Quote:

Originally Posted by MyBlu-rayBrotherEd

Funny how freecreditreport.com isn't free.

That's what I always thought. It's my credit report and score and I don't feel that I should have to pay to view it.

Rblu-Dblu · 06-21-2010, 02:13 PM

Quote:

Originally Posted by bentvalve

I don't need mine for any particular reason, I am just curious what the number is, I know its at least in the mid to high 700s.

You shouldnt check it if you have no reason to. Multiple inquiries on your credit score can cause it to go lower. As long as you get the report that shows you dont have unusual activity then you don't need the score.

Ferris · 06-21-2010, 03:18 PM

Quote:

Originally Posted by Rblu-Dblu

You shouldnt check it if you have no reason to. Multiple inquiries on your credit score can cause it to go lower. As long as you get the report that shows you dont have unusual activity then you don't need the score.

Actually, I've read some recent articles that state self-checking your credit report no longer dings your credit....

06-19-2010, 09:51 PM	#1
Member-38928 Banned Member since:Sep 2008 Trading Score:190	Where can you safely get your credit score for free? Where can you safely get your credit score for free? I see a lot of websites that offer free credit score but I don't know who to trust. Seems to me there was a trustworthy place you could get a free credit score once a year but I forgot. thoughts? tks

06-19-2010, 10:46 PM	#3
chefazn Power Member Member since:Mar 2010 Location:Maryland Blu-ray collection:308 Trading Score:33	Some credit cards give it to you for free, like Providian.

06-19-2010, 10:49 PM	#4
Steve Blu-ray Knight Top ranked HT gallery Top contributor Member since:May 2008 Location:Anna, TX 4K collection:128 Blu-ray collection:416 Trading Score:41	With all the ones I've ever looked at you have to sign up for their credit monitoring service before you can get your FICO score, which is BS IMO.

06-19-2010, 10:53 PM	#5
chefazn Power Member Member since:Mar 2010 Location:Maryland Blu-ray collection:308 Trading Score:33	I just checked and Providian doesn't work anymore lol.

06-20-2010, 02:38 AM	#7
wilky61 Blu-ray Samurai Member since:Mar 2010 Location:Atlanta, GA Blu-ray collection:10 Blu-ray reviews: 24 Trading Score:1	I don't think you can find out the actual number for free. I tried from one of the three (Experian/Transuninon/etc.) a few months back, and the free credit report just lists your monthly histories, etc. The score cost like $7.95, but all of my payments have been on time so I didn't bother requesting that.

06-20-2010, 02:54 AM	#8
Member-38928 Banned Member since:Sep 2008 Trading Score:190	I don't need mine for any particular reason, I am just curious what the number is, I know its at least in the mid to high 700s.

06-20-2010, 05:29 AM	#9
JimShaw Blu-ray Samurai Member since:Jul 2008 Location:Menifee, CA 4K collection:49 Blu-ray collection:1069 Trading Score:141	To get a free report form the three reporting companies, all you have to do is mail a note to each companies stating that you want a copy of your credit report. They have to give you a free report which will not have the FICO score. You will need to send them your name, address, birth date, soc. number.

06-20-2010, 08:20 AM	#10
MyBlu-rayBrotherEd Blu-ray Samurai Member since:Jan 2008 Location:Billings, MT Home Theater Gallery:10 4K collection:132 Blu-ray collection:1057 DVD collection:1 Blu-ray reviews:13	Funny how freecreditreport.com isn't free.

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