Free Credit Report Help?

sunala · ‎03-09-2010

I know the big three, but when I go to their websites they want money. I was under the impression that they offer free credit reports once a year. One did offer a free report but it stated it wouldn't give you your credit score. What good is that?

I figured I'd post this because I don't want to click on the wrong link and wind up either paying for it, or accidentally connecting with a scam site.

Thanks!

"That's a great first pancake."
Lady Gaga, to Tony Bennett

RainyDayGal · ‎03-09-2010

Have you tried Credit Karma? I just read some reviews about it yesterday. Some say it's great, but said it doesn't give a FICO score.

Ibby114 · ‎03-10-2010

I really like Credit Karma- their website offers great intuitive tools! They preobably have some services where you pay- but everything I've utilized thus far has been free!

spent2much · ‎03-10-2010

The free one is annualcreditreport.com. But, again, they don't give you your credit score. I thought the big 3 give you your score once per year.

ETERNITY: your choice... smoking or non smoking!

SeaMaiden · ‎03-10-2010

Discover card tells you your FICO score when you get your statement each month.

Nightowlz · ‎03-11-2010

I would use annualcreditreport.com You have to pay for your FICO score. I can check mine free since I have a Discover Card. I asked one of the lenders at the Credit Union what our credit score was & she got on the computer & told us what they were.

vickie25 · ‎08-11-2012

@spent2much wrote:
The free one is annualcreditreport.com. But, again, they don't give you your credit score. I thought the big 3 give you your score once per year.

You want to request your free report from this site. The reason the government institued this was for the consumer to verify that there were no errors on their report. BUT, it does not come wiht a free FICO score. THAT you still have to pay for unless you have a credit card that provides a FICO score from whatever bureau they are working with. I have 2 credit cards that provide a FICO score and they are off, on average, by 30 points. Meaning FICO score from CC#1 will be 30pts lower than CC#2 FICO score. So which is right?

Until I need to purchase a big ticket item, I just use this as a guide.

Trinity11 · ‎11-16-2014

@sunala wrote:
I know the big three, but when I go to their websites they want money. I was under the impression that they offer free credit reports once a year. One did offer a free report but it stated it wouldn't give you your credit score. What good is that?

I figured I'd post this because I don't want to click on the wrong link and wind up either paying for it, or accidentally connecting with a scam site.

Thanks!

As mentioned Credit Karma gives two scores...TransUnion and Equifax but not Experian. Once a year I use Myficoscore.com, log in and pay for all three scores. It is reliable and worth it. If you google there are usually coupons to help with the cost. If your spouse uses the same cards, his credit score still may be different and we usually do both our scores. There is sometimes a few points off give or take a couple. It does give peace of mind and if you see something incorrect, they can help with how to dispute it.

HTH

Pook · ‎03-20-2010

Credit Karma is free because they push different cards. I am scored much lower on credit karma and then they "suggest" balance transfers to various companies! My credit union gives me access to all three major credit reporting companies. All are about the same and even though credit karma says they are the same as 2 of the 3 - well in my case not so! My auto insurance company gets their reports from one of two other places and not the big 3. Both Discover and Chase give access to FICO scores.