- Centurion Member
- Posts: 875
- Joined: Thu Apr 30, 2009 2:32 pm
- Location: Texas
The government's annualcreditreport.com site gives you once-per-year access to a report from each of the three credit reporting agencies: Experian, TransUnion, Equifax. You can get one report from each of these once per year, so you can actually check a report three times per year for free. I try to remember to get one every four months.
When you do this, each of the reporting agencies will try to sell you their score on you for five bucks. If everything in your report is in order, why buy the score? I still don't think it's the same thing that actual lenders see.
If you want your real score for free and don't mind a hard pull on your credit reports, apply for a mortgage. The bank should share with you what scores it gets from the reporting agencies. However, this hardly seems worth it to me.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).
*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.