WEBSITE FOR FREE CREDIT REPORT FROM ALL 3 AGENCIES

If you want your FICO score, that's still costs ~$6. All other info is free.

Many people stagger their requests so that they get one free every four months and establish a rolling sense of how things are going.

 

Good idea.

 

I have found that all 3 have very different information. It is strange that I have some ooops's on one CR but not on the other two, and then vice versa and what not.
Just my .02 credit points

not that its that shiety...just young and dumb..i was.

 

Just checked my score. down 2 points from last year for no apparent reason.

 

Thanks for you SSN.

(for the sake of URO's Heart, Just Kidding! )

 

Anyone know yet if these are 'REAL' mortgauge FICO/EMIRICA/BEACON scores, or fakes based on 'estimates' (still sorta useful, but can be off by as much as +-20points!) Almost of the online pulls are FAKES!

 

Equifax and TU just refused me:

And NO, I do not have any 'fraud alearts' on my report (these do not work anyway.)

Equifax was available online, very very interesting.

 

TMG:

Great info in this post and your's below regarding the fake scores. I too have ONLY found www.myfico.com as the only source of real FICO scores withought haveing a broker pull hard inquiry.

I have a bunch of file variations (they used to call 'em that when lenders botched DOBs, etc. However all have been cleared up or so I thought! Time to look again I suppose.

 

I joined myfico.com and they alert me whenever my score changes. Have seen it drop twice recently and they also tell you why. First time was I opened a new bank account and they did a credit check on me, Not sure why they do that when I am giving them money. Second was I paid my step daughters college tuition with credit card to get the rewards and because my debt ratio jumped it dropped my score. Hopefully since I pay my credit cards in full it will come back up. Should think about joining myfico.com. Not a bad deal for about 10 bucks a month

 

In Canada, the more your credit is checked the lower it goes. Is that true for the US too? "If you are constantly being checked for credit it looks bad because you don't have cash to buy things" < is the reasoning I guess.

 

We do have different types of inquiry's, One where you give permission to have it checked when applying for credit or even opening a bank account. That type will lower your score. Then they have what's called unsolicited inquiry's that is usually done by marketers just checking on you before mailing out some sort offer. Those do not affect your score.

 

Yes, those are called inquiries. Specifically Hard Inquiries (which are the ones you will see, from auto lenders, etc.)

These DO lower your score, but they do so on a sliding scale.

People with 740 or so credit scores do not get 'hurt' buy each individual Hard Inquiry, each pull within the last 6mos might lower a score 2 points. I suspect the reason is that successful businesspeople these days have to sign for all kinds of personal guarentee and their credit is being pulled all the time, however they may not be in a bad situation at all.


HOWEVER, a person who already has some trouble and lots of high balances with a 600 FICO score, well a single Hard Inquiry can drop their score 10 even 15-20 points for each pull!!!


Scott: the FICO monitor is nice, but it only monitors your Equifax score and credit report. I need to monitor ALL THREE CRAs and have yet to find a way to do that anymore now that PrivacyGuard has been effectively shut down.

 

I still don't get what real FICO is, I know that MYFICO uses Equifax but their site says they are a division of The Fair Issac Corporation, which is what I understand to be the true FICO scorer. I also subscribe to https://www.identityguard.com/gs/english/index.asp
They monitor all three and I was using a few different ones and then tried an experiment to decide which one to use for good. I asked for an increase on my Credit Card and within an hour I got an Email from them alerting me to a change in my file