How can I find a FREE credit score?

[shipps]

I do not want the report or any subscriptions. I just want to know my score. Is there any way I can find it for FREE and no strings attached? Transunion,Equifax, and the other one seem comlicated enough to make you subscribe for a lifetime. I have a seven day trial with Transunion but I COULDNT EVEN SEE THE SCORE. Possibly because I dont have Adobe installed on my work computer here but IDK.

[mr_genius]

I do not want the report or any subscriptions. I just want to know my score. Is there any way I can find it for FREE and no strings attached? Transunion,Equifax, and the other one seem comlicated enough to make you subscribe for a lifetime. I have a seven day trial with Transunion but I COULDNT EVEN SEE THE SCORE. Possibly because I dont have Adobe installed on my work computer here but IDK.

 

i don't know about any legit way to get your actual FICO score for free. I know you can get your credit report free once a year, but it doesn't include FICO score. there might be a way, but i am unaware of it. i just pay the fee if i want to check my score.

[southsider2k5]

Just send me your social security number and mothers maiden name and I will take care of that for you...

[Kyyle23]

all of them will ask for a credit card and charge you after a week if you dont cancel the subscription. there is no such thing as free

[HuskyCaucasian]

http://www.ftc.gov/freereports

 

I think you have to pay something like a minimal $5 for get an actual score. I do it every year. What's $5?

[CrimsonWeltall]

If you want the actual score, you can go to FreeCreditReport.com and get it, but they will put you in a 7-day trial of their "credit monitoring" junk after which you start paying $30/month.

 

So sign up, get your score, then call them immediately and tell them you want out of the trial. And make sure you get a confirmation email that says you're out. I had to call them twice because the first time, I never got the confirmation.

[Balta1701]

DO NOT, I REPEAT, DO NOT LISTEN TO THE POSTER AHEAD OF ME.

 

DO NOT ATTEMPT TO GET A CREDIT SCORE FROM ANY PAY CREDIT REPORTING COMPANY. They will find whatever way to rip you off that they can.

 

The best you can do...right now...in terms of getting an actual score, is checking the report. The recently passed financial reform bill requires these credit companies to actually give you the score number if you want it, but that was only passed a couple weeks ago and isn't going to be active for a few months at the least. Not sure exactly the schedule on it. Prior to that bill, you had zero right to actually get the "score" number that they pass around, so no company would give you access to it.

 

The best you can do is go to www.annualcreditreport.com for now. This is the official, once-a-year, actual free credit report website. You won't have to sign up or cancel any stupid fees to get the access. They hide it as well as they can by using those other "Free credit report" sites with easier names, but that is the one to go to. You can't yet get the score, only a report, but at some point soon, that should change.

 

One thing worth noting is that the actual "credit score" you get reported back on a loan application is usually the credit score on that loan, not necessarily an overall score, so the actual score can vary depending on the type/level of loan you're getting approved.

[Capn12]

The ONLY place you're going to get a legit FICO score is from www.myfico.com

 

And even there, it will cost you somewhere between $10-15 for each one, and you can not get your Experian score even then. They (Experian) stopped allowing 'public' access to scores via most outlets.

 

I've monitored my score/reports etc forever, and the only place you're going to get a legit FICO, without some monthly monitoring service, etc., is from myfico.com

[mr_genius]

The ONLY place you're going to get a legit FICO score is from www.myfico.com

 

And even there, it will cost you somewhere between $10-15 for each one, and you can not get your Experian score even then. They (Experian) stopped allowing 'public' access to scores via most outlets.

 

I've monitored my score/reports etc forever, and the only place you're going to get a legit FICO, without some monthly monitoring service, etc., is from myfico.com

 

that's what i use

[Kyyle23]

lol, i work in credit card fraud. People try and claim fraud on this stuff all the time, NONE OF IT is free and you will get charged one way or another unless you cancel. And if they charge you, surprise, it isnt fraud.

[HuskyCaucasian]

The recently passed financial reform bill requires these credit companies to actually give you the score number if you want it, but that was only passed a couple weeks ago and isn't going to be active for a few months at the least. Not sure exactly the schedule on it.

Really? This is the first I've heard that. Very cool!

[southsider2k5]

lol, i work in credit card fraud. People try and claim fraud on this stuff all the time, NONE OF IT is free and you will get charged one way or another unless you cancel. And if they charge you, surprise, it isnt fraud.

 

hello, FBI? Yes we know a Kyle...

[Balta1701]

Really? This is the first I've heard that. Very cool!

Here's the exact details.

In addition to Consumer Financial Protection bureau, the new bill will make it easier for consumers to obtain a copy of their credit scores for free. If the law passes, consumers who are turned down for a loan or experience other “adverse action” (raised insurance rates, etc.) will be entitled to receive a free copy of the credit score their lender based that decision on.

 

Consumers are currently entitled to one free credit report per year from each of the three major credit bureaus (available through AnnualCreditReport.com). However, the free annual credit reports do not include FICO scores—a crucial piece of information needed to evaluate your eligibility for credit cards, mortgages, and other types of loans. So far, the only way to find out one’s credit score has been to pay for it.

[spiffalicious]

I use creditkarma.com. It is free and you can update your score everyday. I think it uses transunion, but it's not a true FICO score, but it can at least give you a general idea of what your score is. I have paid for my transunion score before and it was the same number as creditkarma. It doesn't give you a full credit report, but you can see some stuff. It gives you a grade in some categories, so you can see how many hard inquiries you have, your credit card utilization, etc. I've used it for around a year and a half and I have never had any issues.

[Kyyle23]

hello, FBI? Yes we know a Kyle...

 

Oh they know me. I had to do all kinds of background check stuff to work for JPMorgan Chase, believe me

[Chisoxfn]

Luckily I have access to run my own credit scores from all three bureaus due to my association with a mortgage company that I did loans for in college. Transunion, Equifax, and Experian.

 

Didn't realize it was such a pain in the rear to do it normally. I do pay $15 bucks for my report though (the amount the company gets charged for it).