How do I find out my credit score without paying for it?

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VisaSpeak
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How do I find out my credit score without paying for it?

Postby VisaSpeak » Wed Dec 26, 2012 3:24 pm

I got my first credit card in July. How can I find out my score?


DeadSpider
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Postby DeadSpider » Fri Dec 28, 2012 3:17 pm

Sign up for credit karma for free TU score.
It's NOT real score but it's close enough and it's free.
Credit Karma is FAKO score but if you get Walmart credit card they offer free REAL TU score.
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Robrus1
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Postby Robrus1 » Fri Dec 28, 2012 3:59 pm

Annualcreditreport.com gives you your scores once a year for free.
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Randiesel75
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Postby Randiesel75 » Fri Dec 28, 2012 4:04 pm

Robrus1 wrote:Annualcreditreport.com gives you your scores once a year for free.


I know they offer reports once a year, are you sure about the actual scores being offered, as well?

namvet
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Postby namvet » Sat Dec 29, 2012 6:16 am

Robrus1 wrote:Annualcreditreport.com gives you your scores once a year for free.

This site should be checked once per year but no credit scores are reported.

jeffysdad
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Postby jeffysdad » Sat Dec 29, 2012 7:17 am

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.
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paparoach429
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Postby paparoach429 » Sun Dec 30, 2012 12:22 am

How does the once per year score work? Is it one free score from Trans, Equifax, and Experian from Jan 1- Dec 31st? Or is it one score every 365 days? If its one per calender year I might as well pull my other 2 scores while I can.

Robrus1
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Postby Robrus1 » Mon Dec 31, 2012 10:31 am

Randiesel75 wrote:I know they offer reports once a year, are you sure about the actual scores being offered, as well?


It was a while back when I used it. I know I got my scores through it, but I can't remember if I had to pay 5 bucks or not like jeffysdad states. I'm sure I probably did and just forgot.
Amex Platinum
Amex BCP 21K
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Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K

Robrus1
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Postby Robrus1 » Mon Dec 31, 2012 10:32 am

paparoach429 wrote:How does the once per year score work? Is it one free score from Trans, Equifax, and Experian from Jan 1- Dec 31st? Or is it one score every 365 days? If its one per calender year I might as well pull my other 2 scores while I can.


I believe it's one report from each 365 days from the day you last viewed them, but I'm not positive.
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K

Randiesel75
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Postby Randiesel75 » Mon Dec 31, 2012 11:28 am

Robrus1 wrote:It was a while back when I used it. I know I got my scores through it, but I can't remember if I had to pay 5 bucks or not like jeffysdad states. I'm sure I probably did and just forgot.


I just paid $40 for 2 scores from myFICO.



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