How do I get a truly free credit score?

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bmw1990Z
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How do I get a truly free credit score?

Postby bmw1990Z » Tue May 15, 2012 4:18 pm

I logged on to annual credit report website, went through and got all my credit reports from the agencies, everything was as expected, all agencies reported my credit in 'excellent' condition. However, I was suprised that I couldn't find out the credit score without paying for their services each. Is there a free way to figure out your credit score, or should I purchase them through myFico (and if so which one through them?) I plan on applying for a second card next month when I hit one year of solid credit.
Cards in my wallet:
-Citi Forward Card for College Students-July 2011
-American Express Platinum Delta Skymiles--July 2013


namvet
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Postby namvet » Tue May 15, 2012 7:58 pm

You can buy your EX and TU at myfico.com. No source to buy EX score. If you have a walmart card you can get your real TU from them for free. If you plan on applying for another card do your research and find out which bureau that card pulls.

Crashem
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Postby Crashem » Tue May 15, 2012 8:30 pm

Only worthwhile "credit score" to buy is the Equifax FICO score that you can buy through myfico.com or through the Equifax website (make sure to buy the FICO score and not the FAKO).

myfico sells a FICO TU score but it is a TU98 which is out of date and hardly used. Assuming your info is the same on all the credit bureaus, you can use your equifax fico score as a guide. Your other FICO scores should be within 20 points of the equifax one.

Walmart provides TU08 score for holders of their cards, but TU08 isn't widely used but it might gain acceptance in the future. PSECU provides a EX FICO score to its customers. There are some other credit unions that do the same as well.
Amex Centurion, Amex Platinum, Amex BCP 8k->24k (5/23/12), Amex TE 15k, Cap One 1.5% 15k->20k (8/7/13), CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k->2.4k (8/20/12), JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k

DavidNY
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Postby DavidNY » Tue May 15, 2012 9:29 pm

Apply for a card and get declined. Instant score.

Crashem
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Postby Crashem » Wed May 16, 2012 2:41 am

DavidNY wrote:Apply for a card and get declined. Instant score.


Better yet, get approved but not for best terms.
Amex Centurion, Amex Platinum, Amex BCP 8k->24k (5/23/12), Amex TE 15k, Cap One 1.5% 15k->20k (8/7/13), CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k->2.4k (8/20/12), JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k

bmw1990Z
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Postby bmw1990Z » Wed May 16, 2012 6:46 am

Crashem wrote:Better yet, get approved but not for best terms.


i think i will just buy them from myfico lol
Cards in my wallet:

-Citi Forward Card for College Students-July 2011

-American Express Platinum Delta Skymiles--July 2013

DavidNY
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Postby DavidNY » Wed May 16, 2012 12:33 pm

Good idea, Crashem!

There's probably a trial offer for something so you can see your scores then cancel whatever it was you were trying.

I can't see actually paying for scores.

agp
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Postby agp » Wed May 16, 2012 4:57 pm

I think some people missed the "free" in the title. The only way to get your credit score, truly, for free, is to go check on Annual Credit Report once a year. Other options would be to find out which bureau each bank pulls, and apply to the bank that pulls from the bureau. Otherwise, you are looking at fees for every month or every time you check.

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred

Crashem
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Postby Crashem » Wed May 16, 2012 6:17 pm

agp wrote:I think some people missed the "free" in the title. The only way to get your credit score, truly, for free, is to go check on Annual Credit Report once a year. Other options would be to find out which bureau each bank pulls, and apply to the bank that pulls from the bureau. Otherwise, you are looking at fees for every month or every time you check.


You get a free credit report via annual credit report, but you will not get a real FICO score for free.
Amex Centurion, Amex Platinum, Amex BCP 8k->24k (5/23/12), Amex TE 15k, Cap One 1.5% 15k->20k (8/7/13), CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k->2.4k (8/20/12), JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k



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