Thread: Which credit score website is the best?

Why would anyone PAY for credit monitoring or getting scores. You can do it for free using creditkarma and ground that with an actual credit report from each credit bureau for free once a year. You can also get your FICO score free once a year.

I've used creditkarma for a couple of years now and have compared it to actual credit reports a couple of times. Their service is very accurate.

Originally Posted by jeffysdad

I look at my CC score on a popular website that makes it's version of the score available for free. However, when I applied for a mortgage recently the bank reported back that the scores it got for me were considerably higher than what the free service was telling me.

That's been my experience as well. The score I get from the free site is a little lower, by 10-30 points. But it's close enough to get a good read of where you are. Your "true" score can vary by quite a bit on a daily basis depending on where you are in the reporting cycle for your cards so I don't think the difference matters that much.

has anyone tried and have first hand experience with the amex credit monitoring service?

I have actually tried the Discover Credit score monitoring service and have been pretty happy with it. I pay $9.99 per month and receive a 3 Bureau, once per month, score and report. However, they also offer an Experian score and report that one can update every 24 hours.

I currently have been trying out the myFICO.com free trial, with a Equifax report and score - have been extremely impressed with the Score Watch. I am a sucker for design and simplicity .

P.S. In all honesty I believe that there should be a standardized means of evaluating credit worthiness.

I tried discover once, the thing they offered me was $7.99 per month... with that you can see unlimited experian reports ... and CR from all three bureaus Once every three months ...