How to check your credit rating? - Page 2

tater03 · #11 (**permalink**) 10-19-2006, 03:55 PM

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?

riskey58 · #12 (**permalink**) 01-06-2007, 11:58 PM

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.

taiarain · #13 (**permalink**) 01-07-2007, 02:21 AM

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.

Mark00 · #14 (**permalink**) 08-04-2007, 12:27 AM

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!

Dgrocho · #15 (**permalink**) 10-23-2007, 01:37 AM

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

Easy To Get Credit Cards · #16 (**permalink**) 11-09-2007, 05:06 AM

annualcreditscore.com

murk · #17 (**permalink**) 10-19-2009, 07:02 PM

if you have been declined for a card recently then you are entitled to a free copy of your report

Chris the Credit Guy · #18 (**permalink**) 10-23-2009, 06:47 PM

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.

ResidualCents · #19 (**permalink**) 12-19-2009, 04:43 AM

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.