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Old 10-24-2013, 12:19 PM
 
Location: bellmore
376 posts, read 937,620 times
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I was looking to check my credit score, I have never did this before and was wondering which is a safe secure site to use ? if there is any fee involved ?
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Old 10-24-2013, 12:20 PM
 
703 posts, read 1,057,393 times
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Fico.com
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Old 10-24-2013, 12:22 PM
 
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creditkarma.com
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Old 10-24-2013, 12:23 PM
 
Location: Long Island
9,592 posts, read 21,017,097 times
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Quote:
Originally Posted by ar1458 View Post
I was looking to check my credit score, I have never did this before and was wondering which is a safe secure site to use ? if there is any fee involved ?
Free FICO Credit Score + Check Your Credit Report Online | myFICO is the best site to use and yes, there is a fee. The actual site is "myfico.com" but of course the internet automatically adds the link... (the info you see is misleading re the cost, unless you subscribe to Score Watch)
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Old 10-24-2013, 12:41 PM
 
Location: bellmore
376 posts, read 937,620 times
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Originally Posted by Elke Mariotti View Post
Free FICO Credit Score + Check Your Credit Report Online | myFICO is the best site to use and yes, there is a fee. The actual site is "myfico.com" but of course the internet automatically adds the link... (the info you see is misleading re the cost, unless you subscribe to Score Watch)
It says 10 day free trial as long you cancel within the trial period .... is this true or a scam because its $14.95 a month for three months min ?
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Old 10-24-2013, 12:48 PM
 
2,033 posts, read 2,808,356 times
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You are entitled by LAW for free credit report from all 3 agencies. You can do that through 1 site annualcreditreport.com it is free of any fees but only 1x per year. myfico is not free and I recently did not re-new after 7 yrs. with them. Was 149.99 a year last I had it. Not cheap for something that can be free. Many credit cards like Citicard do offer safe free monitoring, been using them now. Saving that 149.99 yr with myfico. That as fas as I am concerned was just a Suze Orman $$ maker for her.

With annualcreditreport.com you can choose mail or immediate online access. Either way free.
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Old 10-24-2013, 12:52 PM
 
Location: bellmore
376 posts, read 937,620 times
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I just did creditkarma.com and got my score , for free .. everything was correct ... should I still do FICO ?
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Old 10-24-2013, 12:57 PM
 
3,939 posts, read 8,375,867 times
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Quote:
Originally Posted by ar1458 View Post
I just did creditkarma.com and got my score , for free .. everything was correct ... should I still do FICO ?
Credit Karma only gives you 1 score (TransUnion IIRC).
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Old 10-24-2013, 01:10 PM
 
Location: bellmore
376 posts, read 937,620 times
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Should I do annualcreditreport.com ? Is it that important and also I found a Amex credit card on my credit check which I never signed up for but show zero balance ? Who do I called to clear/close it ?
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Old 10-24-2013, 01:11 PM
 
Location: Long Island
9,592 posts, read 21,017,097 times
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Quote:
Originally Posted by loribell38 View Post
You are entitled by LAW for free credit report from all 3 agencies. You can do that through 1 site annualcreditreport.com it is free of any fees but only 1x per year. myfico is not free and I recently did not re-new after 7 yrs. with them. Was 149.99 a year last I had it. Not cheap for something that can be free. Many credit cards like Citicard do offer safe free monitoring, been using them now. Saving that 149.99 yr with myfico. That as fas as I am concerned was just a Suze Orman $$ maker for her.

With annualcreditreport.com you can choose mail or immediate online access. Either way free.
Sorry, but we're talking about two different things here.

1. credit report - yes, annualcreditreport.com is THE site to go to. And if you stagger the reports for each company (Experian, Transunion, and Equifax) every four months, you can keep track of what's going on year-round (example: October Experian, February Transunion, June Equifact, etc.); there will be some differences because not all companies report to all three, but you'll have a good idea what's being reported.

2. credit score - the score(s) from myfico.com will come closest to what a lender or other merchant will see when they pull your score (yes, lenders receive a different score, often somewhat lower than what we as consumers see). myFico prices have increased over the years, and now apparently they are charging $19.95/report for each company (x3). They'll give you a break if you order all three.
There is no obligation to subscribe.
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