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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.
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.
Location: Georgia, on the Florida line, right above Tallahassee
10,471 posts, read 15,841,412 times
Reputation: 6438
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.
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.
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.
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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