Wo to pick/use ? Credit Rating check
Sep 12th 2010, 9:56 pm
#1
Just Joined
Thread Starter
Joined: Sep 2010
Posts: 2
Wo to pick/use ? Credit Rating check
Hi All,
I've watched all the TV ads about free credit rating.com etc./ etc. and heard about all the associated blurb that then goes with it .....
So, my question, Is there a simple (reliable) method of getting my credit rating with out all the tie-ins ?
Cheers,
N.
I've watched all the TV ads about free credit rating.com etc./ etc. and heard about all the associated blurb that then goes with it .....
So, my question, Is there a simple (reliable) method of getting my credit rating with out all the tie-ins ?
Cheers,
N.
Sep 12th 2010, 11:18 pm
#2
Septic Sprout
Joined: Aug 2004
Location: Shanghai
Posts: 7,993
Sep 13th 2010, 10:23 pm
#3
Joined: Apr 2002
Posts: 35,082
Re: Wo to pick/use ? Credit Rating check
The FICO score is the number most people bandy about. The link above is the source for a no-cost credit report from the credit bureaus, but it will not include the 'score' (FICO) that most people are used to using.
This topic *just* came up in my local paper but I can't find the link because their website is from the devil, but there are some good stories on this page: http://topics.oregonlive.com/tag/cre...res/index.html
d'oh, victory!
http://asklizweston.com/category/qaw...creditscoring/
Dear Liz: How can we obtain our credit score without paying, especially on websites? We have asked at our bank, but they say they cannot give it to us. Is that true?
Sep 13th 2010, 11:14 pm
#4
BE Forum Addict
Joined: Jul 2008
Location: East Bay Area
Posts: 2,192
Re: Wo to pick/use ? Credit Rating check
Sign up for American Express Credit Secure.
Sep 13th 2010, 11:32 pm
#6
Septicity
Joined: May 2004
Posts: 23,762
Re: Wo to pick/use ? Credit Rating check
Check your report regularly, though to make sure no-one is snatching your ID. If you use the free govt-mandated one, you can check one of your 3 reports every 4 months and it'll cost you nowt.
If you must have your score, use the FICO estimator here for free: http://www.bankrate.com/calculators/...alculator.aspx
Sep 14th 2010, 5:34 am
#10
Powder Maggot
Joined: Nov 2004
Location: Nuevo Mexico
Posts: 4,452
Re: Wo to pick/use ? Credit Rating check
If you're really desperate, fill out an application for a mortgage at your bank ***which may in of itself ding your credit***, get your credit scores from the loan officer, and not bother submitting the application.
Sep 14th 2010, 3:49 pm
#11
BE Forum Addict
Joined: Jul 2008
Location: East Bay Area
Posts: 2,192
Re: Wo to pick/use ? Credit Rating check
Even if desperate I recommend not to get a hard enquiry on your credit. I could be too conservative when I think that...that's me though.
Sep 14th 2010, 8:29 pm
#12
BE Forum Addict
Joined: Aug 2004
Location: Tampa, FL
Posts: 3,338
Re: Wo to pick/use ? Credit Rating check
You can try this:
www.creditkarma.com
It is the only truly free service I know of that will give a credit *score*. Granted, it's not a full FICO score as it only pulls data from one of the big three (Transunion), but it will give you a good idea.
www.creditkarma.com
It is the only truly free service I know of that will give a credit *score*. Granted, it's not a full FICO score as it only pulls data from one of the big three (Transunion), but it will give you a good idea.
Sep 14th 2010, 8:39 pm
#13
He/him
Joined: Dec 2006
Location: WA
Posts: 18,825
