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03-25-2008, 10:01 AM
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Senior Member
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Join Date: May 2007
Location: Raleigh, NC
1,530 posts, read 1,317,158 times
Reputation: 565
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Quote:
Originally Posted by vincentnyc
all free credit report are crap...they aren't really free....u will need to know your credit score. and in order to get your score, you have to pay.
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It's like $5-6 bucks for your score on each one, but the whole report itself is free and it's very valuable if you want to know what lines of credit you have open or outstanding loans (if any). It will also show you if you have activity on there that you don't recognize. www.annualcreditreport.com is definetly where you want to go. |
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03-25-2008, 11:43 AM
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Oh, yeah!
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Join Date: Nov 2007
Location: Warm, sunny Iraq.
2,088 posts, read 1,538,040 times
Reputation: 1158
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They all suck. Yes, I've used them all.
Myfico.com is the CLOSEST you will get to you score. And it will not be your "real" score, because your "real" score will be determined by whomever is pulling your score along with whatever OTHER criteria they add to it.
But MYFICO will be pretty darn close.
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03-25-2008, 07:37 PM
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If you're not the solution,you're the problem!!
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Join Date: Apr 2007
Location: San Antonio, TX
3,544 posts, read 1,883,124 times
Reputation: 1146
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Quote:
Originally Posted by vincentnyc
all free credit report are crap...they aren't really free....u will need to know your credit score. and in order to get your score, you have to pay.
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You don't need to know your credit score if you're just looking to make sure that things are properly reporting and no one has stolen your identity. |
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03-25-2008, 07:41 PM
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yes, i am pretty nerdy.
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Join Date: May 2007
Location: Edgewater, Chicago
3,057 posts, read 1,785,223 times
Reputation: 1124
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Quote:
Originally Posted by firstclassflyer
A good strategy if you want to "pseudo" monitor your credit is to order one of the bureau reports every 4 months. TransUnion, Experian and Equifax.
Since you entitled to one free each year from EACH of them....order TransUnion now...then Experian 4 months from now...then Equifax 4 months after that. Repeat each year....this way you don't have to pay.
It's not the most precise monitoring (there are pay services for this) but at least you can see if your ID has been hijacked/any improper reporting.
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you know, i never thought of doing it that way, I always just did all three at once. I'll have to try it that way next year. |
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03-25-2008, 07:54 PM
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Senior Member
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Join Date: Jan 2007
Location: Los Angeles, Ca
961 posts, read 555,566 times
Reputation: 565
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The free credit report craze is kind of nuts, I see their ads all over the place.
They advertise on ebay, on aol, I see them everywhere. Unless you're borrowing alot of money, whats the big deal about knowing exactly what your score is. Above a certain number, it doesnt really matter what it is. Like if you're getting a mortgage and your score is over 720 or 740 or whatever the upper tier is.
Then the bureaus all do different formulas....seems like a big money maker for them.
Some of the sites and ads just scream, SCAM....I don't know, I don't get it.
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