Go Back   The Finance Forums > Finance forums > Credit Ratings




Credit Ratings Issues of credit ratings and credit scoring here.

Reply
 
Thread Tools
  #11 (permalink)  
Old 10-19-2006, 03:55 PM
tater03 tater03 is offline
Senior Member
 
Join Date: Oct 2006
Posts: 169
Default Re: How to check your credit rating?

I am really not sure how you can get a credit score for free. I did run across a site called E-LOAN: Mortgage Refinance, Home Equity, Auto Loans, Savings Accounts, CDs, Line of Credit, Home Loans, Second Mortgage, No Lender Fees that claims to give you your score for free. I actually didn't try it but you might want to check it out.

I do have a quick question about your credit score. Is it true that everytime you fill out an application for a credit card that your score goes down. And if that's true why is that?
Reply With Quote
  #12 (permalink)  
Old 01-06-2007, 11:58 PM
riskey58 riskey58 is offline
Senior Member
 
Join Date: Nov 2006
Posts: 101
Default Re: How to check your credit rating?

I have never checked my credit rating. I have thought about doing it but was never really sure how to go about it. Thank you for all your information. Now I think am going to try it.
Reply With Quote
  #13 (permalink)  
Old 01-07-2007, 02:21 AM
taiarain's Avatar
taiarain taiarain is offline
Senior Member
 
Join Date: Oct 2006
Posts: 100
Default Re: How to check your credit rating?

I think the only way to get your credit score for free is to ask to see it when a business pulls your rating, like when you're opening a bank account.
Reply With Quote
  #14 (permalink)  
Old 08-04-2007, 12:27 AM
Mark00 Mark00 is offline
The Finance Forums
 
Join Date: Aug 2007
Location: London+UK
Posts: 4
Default Re: How to check your credit rating?

i recently checked mine and you don't need to pay if you use it for 30 days (its a free trial) - insurespot.co.uk has that service - hope this helps!
Reply With Quote
  #15 (permalink)  
Old 10-23-2007, 01:37 AM
Dgrocho Dgrocho is offline
Junior Member
 
Join Date: Oct 2007
Location: Flint, MI and Toledo, OH, USA
Posts: 3
Default Re: How to check your credit rating?

Last I did it, I used myFICO.com do the trial and it will give you your FICO score, which unless I am mistaken is your credit score
Reply With Quote
  #16 (permalink)  
Old 11-09-2007, 05:06 AM
Easy To Get Credit Cards Easy To Get Credit Cards is offline
Member
 
Join Date: Nov 2007
Location: California / Browntown / Unioted States
Posts: 62
Default Re: How to check your credit rating?

annualcreditscore.com
Reply With Quote
  #17 (permalink)  
Old 10-19-2009, 07:02 PM
murk murk is offline
Junior Member
 
Join Date: Oct 2009
Location: Buffalo
Posts: 11
Default Re: How to check your credit rating?

if you have been declined for a card recently then you are entitled to a free copy of your report
Reply With Quote
  #18 (permalink)  
Old 10-23-2009, 06:47 PM
Chris the Credit Guy Chris the Credit Guy is offline
Junior Member
 
Join Date: Oct 2009
Location: San Diego
Posts: 8
Default Re: How to check your credit rating?

You can get the reports free from the Credit bureaus just by calling them and asking for it.. but they are not going to give you the scores.. and checking your credit actually costs you some points on your scores.

EQUIFAX INFORMATION SVCS LLC EFX265
P.O. BOX 740241
ATLANTA, GA 30374−0241
800−685−1111

TRANSUNION TRU29NM
P.O. BOX 1000
CHESTER, PA 19022
800−888−4213

EXPERIAN XPNTNM1
P.O. BOX 2002
ALLEN, TX 75013−0036
888−397−3742

annualcreditreport.com is another site to actually get a free report..

I actually found a great place to get a copy of all three of your scores from a non-profit organization in Missouri that will not charge you with an inquiry.. the only place i have found.. check out cumic.org.. it's going to cost you $20 but getting individual reports with scoring from the bureaus will cost you $24.. and put an inquiry on file.
Reply With Quote
  #19 (permalink)  
Old 12-19-2009, 04:43 AM
ResidualCents's Avatar
ResidualCents ResidualCents is offline
Junior Member
 
Join Date: Dec 2009
Location: Wisconsin USA
Posts: 4
Default Re: How to check your credit rating?

You are entitled to receive one free annual credit report every 12 months from each of the nationwide consumer credit reporting companies. It is entirely your choice whether you order all three credit reports at the same time or order one now and others later. The advantage of ordering all three at the same time is that you can compare them. (However, you will not be eligible for another free credit report for 12 months.) On the other hand, the advantage of ordering one now and others later (for example, one credit report every four months) is that you can keep track of any changes or new information that may appear on your credit report. If you request your's from only one company today you can still request from the other two companies at a later date. That way you will know your updated credit report every four months.
Reply With Quote
Reply

Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are Off


» Boards




All times are GMT +1. The time now is 10:42 AM.


Powered by vBulletin® Version 3.7.0
Copyright ©2000 - 2010, Jelsoft Enterprises Ltd.
Content Relevant URLs by vBSEO 3.0.0 ©2007, Crawlability, Inc.