Free Republic
Browse · Search
General/Chat
Topics · Post Article

Skip to comments.

anyone used 'free credit report.com' or similar?
me | 11-4-11 | Wobbly Bob

Posted on 11/04/2011 10:29:50 AM PDT by WOBBLY BOB

are they really free? do they want a credit card # ? are they understandable and offer a real score?


TOPICS: Chit/Chat
KEYWORDS: check; credit; score; vanity
I'd like to know my actual score before refinancing. (none of the free ones you're entitled to once a year tell me an actual score)
1 posted on 11/04/2011 10:29:53 AM PDT by WOBBLY BOB
[ Post Reply | Private Reply | View Replies]

To: WOBBLY BOB
annualcreditreport.com is the legit one.

The others are not free.

annualcreditreport.com does not give a credit score unless you pay one of the 3 credit companies for it.

2 posted on 11/04/2011 10:33:21 AM PDT by Onelifetogive (I tweet, too... @Onelifetogive)
[ Post Reply | Private Reply | To 1 | View Replies]

To: WOBBLY BOB

Are you on pretty good terms with your insurance agent? They can tell you your score for free.


3 posted on 11/04/2011 10:33:35 AM PDT by grellis (I am Jill's overwhelming sense of disgust.)
[ Post Reply | Private Reply | To 1 | View Replies]

To: WOBBLY BOB

It is “free” for a month then they hit you with recurring charges (somewhere in the neighborhood of $20 per month). There is no way to cancel online so you have to call, wait about 30 minutes to speak with someone, then argue with them as they try to talk you out of cancelling. Keep in mind they are only open during work hours so if you have a demanding job and can’t find an hour to deal with the crapola during the day, you are stuck with the recurring charge. Just depends if going through that is worth it to you. The only reson I did it was to make sure I had anything negative on my security clearance application.


4 posted on 11/04/2011 10:36:04 AM PDT by wolfman23601
[ Post Reply | Private Reply | To 1 | View Replies]

To: WOBBLY BOB

yes and no. They give you one reporting agency free but they want you to sign up for credit monitoring and then make it difficult to cancel when the free trial is over.


5 posted on 11/04/2011 10:37:19 AM PDT by txroadkill (FreeRepublic.com- "A Wretched Hive of Scum and Villany" - Zotted Romney Troll)
[ Post Reply | Private Reply | To 1 | View Replies]

To: Onelifetogive; WOBBLY BOB

“annualcreditreport.com is the legit one.
The others are not free.

annualcreditreport.com does not give a credit score unless you pay one of the 3 credit companies for it.”

Ditto, I just helped a friend do his the other day. You don’t get a score unless you pay for it. And annualcreditreport is the right one. You only get one per year, so the suggestion is to do all three at once, (to make sure there is nothing inaccurate on any of them, and then the next year, to do one every 4 months. You can do as you see fit, but that’s just a common suggestion. Some Credit Cards will give you your score when you log in (if you have an account), I know Washington Mutual did, but that my Chase (who bought them) does not. Your’s might if you want the score for free. Good luck!


6 posted on 11/04/2011 10:38:08 AM PDT by JDW11235 (I think I got it now!)
[ Post Reply | Private Reply | To 2 | View Replies]

To: WOBBLY BOB

Consumer advocate Clark Howard (clarkhoward.com) has a good roundup on this. Check under ‘Clark’s Greatest Hits’.


7 posted on 11/04/2011 10:38:35 AM PDT by Company Man (La Quinta -- Spanish for "Next to Denny's")
[ Post Reply | Private Reply | To 1 | View Replies]

To: WOBBLY BOB

Don’t do it


8 posted on 11/04/2011 10:39:08 AM PDT by nuconvert ( Khomeini promised change too // Hail, Chairman O)
[ Post Reply | Private Reply | To 1 | View Replies]

To: WOBBLY BOB

I got my credit score when I visited a car dealership. You’ll probably need to tell them your SSN.

By law, you are entitled to one free credit report each year but that is *not* the same as the credit score. The credit report will tell you what is on your credit record going back a long time. The credit score is not on there. The credit score (used to help determine loan rates) is something supplied to people looking to set you up with financing on a major purchase (home, car, etc.).

Both pieces of information are useful but they are also fluid, meaning they are subject to change whenever new data comes in.


9 posted on 11/04/2011 10:41:03 AM PDT by OrangeHoof (Obama: The Dr. Kevorkian of the American economy.)
[ Post Reply | Private Reply | To 1 | View Replies]

To: Onelifetogive

Is it true that checking your credit score too often can harm your credit score?


10 posted on 11/04/2011 10:42:16 AM PDT by WayneS (Comments now include 25 percent more sarcasm for no additional charge...)
[ Post Reply | Private Reply | To 2 | View Replies]

To: WOBBLY BOB
would not do not do it Bob. yes you need them to get your credit card to see all of your scores. Real hard to remove yourself from their account once you establish one. Every time you access your account,points are deducted from your credit score because THEY are providing you a Service.The more you use it the more points are deducted. You can receive a YEARLY free report,but you have to request it from the credit reporting companies directly.
11 posted on 11/04/2011 10:43:35 AM PDT by VF-51vnv
[ Post Reply | Private Reply | To 1 | View Replies]

To: WayneS
Is it true that checking your credit score too often can harm your credit score?

No. Getting a copy of your credit report or your credit score does not go on your credit record.

12 posted on 11/04/2011 10:48:09 AM PDT by justlurking (The only remedy for a bad guy with a gun is a good WOMAN (Sgt. Kimberly Munley) with a gun)
[ Post Reply | Private Reply | To 10 | View Replies]

To: WOBBLY BOB

You’re allowed to get a copy of your credit report free of charge from each of the credit reporting agencies once a year. I’ve done it a couple of times. Equifax is one, I don’t remember the names of the others, but its easy to find out. It takes some time; you have to jump through hoops to verify your identity, etc.

As far as your score being hurt by checking, I don’t know, but it seems a bit counterintuitive. Maybe if you checked it dozens of times over a few weeks.


13 posted on 11/04/2011 10:49:49 AM PDT by Steely Tom (Obama goes on long after the thrill of Obama is gone)
[ Post Reply | Private Reply | To 1 | View Replies]

To: WOBBLY BOB
I'd like to know my actual score before refinancing.
Screw the credit score. First of all, whomever you refinance with will check it - make them tell you.
Second, it's become some mythological god we all have to bow down to before making decisions. The great, omniscient Gatekeeper in the Sky. Eff that.
If you've paid your bills on time you should be fine.
14 posted on 11/04/2011 10:52:06 AM PDT by oh8eleven (RVN '67-'68)
[ Post Reply | Private Reply | To 1 | View Replies]

To: Steely Tom

I’ve done that. no credit score is can see on there, just shows where you’ve paid and if there’s any 30/60/90/120 days late...


15 posted on 11/04/2011 10:52:38 AM PDT by WOBBLY BOB (See ya later, debt inflator ! Gone in 4 (2012))
[ Post Reply | Private Reply | To 13 | View Replies]

To: VF-51vnv
Every time you access your account,points are deducted from your credit score because THEY are providing you a Service.

This is not true. Your access to your credit report or credit score does not affect your score.

There are different types of credit report inquires. The only one that "counts" is one that is made for the purpose of granting you new credit.

Existing creditors usually do periodic reviews. Those are different types of inquiries, which don't affect your credit score -- unless they screw up and designate the wrong type of inquiry.

Credit inquiries made for the purposes of a job application may affect your score, depending on how it is coded. Credit inquires made by the US goverment "Office of Personnel Management", or OPM, do count against your credit score -- even though they shouldn't.

I'll leave the reason for an OPM inquiry as an exercise for the reader. I'm sure that some of you know why.

16 posted on 11/04/2011 10:54:04 AM PDT by justlurking (The only remedy for a bad guy with a gun is a good WOMAN (Sgt. Kimberly Munley) with a gun)
[ Post Reply | Private Reply | To 11 | View Replies]

To: nuconvert

sounds like the fresh hell I once walked into after buying flowers via 1800flowers.


17 posted on 11/04/2011 10:55:14 AM PDT by WOBBLY BOB (See ya later, debt inflator ! Gone in 4 (2012))
[ Post Reply | Private Reply | To 8 | View Replies]

To: oh8eleven; WOBBLY BOB
Screw the credit score. First of all, whomever you refinance with will check it - make them tell you.

He is right about the credit score. It's not really relevant to you personally, unless you are trying to determine if you should refinance now.

However, it is worthwhile to check your three credit reports, using the URL that has been cited above. Review those reports and determine if there are any inaccuracies. You should deal with them before you start any refinancing.

If your current mortgage was resold after you originally got it, there's a good chance that your credit report will have entries for both of them. And, the first one won't necessarily reflect that the account was paid in full. Unless someone looks at it closely, it will appear that you are making two (or more) identical payments.

This has happened to me... twice.

18 posted on 11/04/2011 11:00:12 AM PDT by justlurking (The only remedy for a bad guy with a gun is a good WOMAN (Sgt. Kimberly Munley) with a gun)
[ Post Reply | Private Reply | To 14 | View Replies]

To: WOBBLY BOB
I’ve done that. no credit score is can see on there, just shows where you’ve paid and if there’s any 30/60/90/120 days late...

Yeah, I read all the way through your question after I posted my earlier reponse. Sorry to have wasted your time telling you what you already know.

I noticed that too, that they don't give you your "score" on the free report.

Personally, I don't care. The score is, I'm sure, reflective of your overall record. Do you know for sure of some cut-off line you need to be above for whatever reason?

I just assume that the score is a single number that tries to distill your overall record. I also assume (perhaps wrongly) that most lenders will take a quick look at your score and then look into the reasons behind it before making a decision. If you have adverse material in your record, for sure they'll see it. Bankruptcy is very bad, of course. Slow pays are not so bad, I think, as long as they're rare and not recent.

They also look for evidence that you're able to accumulate assets.

Obvious, I know.

There are others on this forum that know a lot more than I about almost anything you can name. Perhaps one of them will show up.

19 posted on 11/04/2011 11:00:18 AM PDT by Steely Tom (Obama goes on long after the thrill of Obama is gone)
[ Post Reply | Private Reply | To 15 | View Replies]

To: OrangeHoof
Using a vendor can work.

But be careful. Using a vendor results in a negative ping as each time is recorded by the reporting agencies. They assume each look at your credit reports is actually seeking credit and the more looks the lower they will drop your scores.

Looking at your own credit is not a negative ping. If a high score is your goal it is best to use the once annual freebie. If you want to see your reports more often it is best to actually pay the agencies so it is recorded as you looking and not a credit provider.

20 posted on 11/04/2011 11:00:26 AM PDT by NickFlooding (Canceling out liberal votes since 1972.)
[ Post Reply | Private Reply | To 9 | View Replies]

To: Company Man

Great site - thanks.

http://www.clarkhoward.com/s/greatest-hits/


21 posted on 11/04/2011 11:03:49 AM PDT by GOPJ ( Democrats are the only reason to vote for Republicans.... Will Rogers)
[ Post Reply | Private Reply | To 7 | View Replies]

To: Steely Tom

The others are Experian and TransUnion.


22 posted on 11/04/2011 11:05:52 AM PDT by stbdside
[ Post Reply | Private Reply | To 13 | View Replies]

To: Steely Tom

I want to make sure I’m at or about 730+ before refinancing.

Can’t tell if I am. reading those are like reading the VIN plate on a car...means nothing if you don’t know the codes and secret handshake.


23 posted on 11/04/2011 11:07:03 AM PDT by WOBBLY BOB (See ya later, debt inflator ! Gone in 4 (2012))
[ Post Reply | Private Reply | To 19 | View Replies]

To: WOBBLY BOB
We bought a new car last year, for cash. The dealer's finance guy still ran our credit report for the hell of it, and gave us the number.

If you know anybody in that business, give 'em a call....the only info required is your name, address and Drivers License number IIRC.

24 posted on 11/04/2011 11:10:52 AM PDT by ErnBatavia (Obama Voters: Jose Baez wants YOU for his next jury pool.......)
[ Post Reply | Private Reply | To 1 | View Replies]

To: ErnBatavia

The only negative I found was some jackwagon book club who claims I ordered a book and that I didn’t pay.

I already asked them and Experian (in writing) to remove it as it’s wrong, but they never did. A buddy of mine who works in the biz says to just pay them their extortion $ and send proof to the credit gods to atone for my alleged sin.


25 posted on 11/04/2011 11:12:14 AM PDT by WOBBLY BOB (See ya later, debt inflator ! Gone in 4 (2012))
[ Post Reply | Private Reply | To 24 | View Replies]

To: WayneS
Is it true that checking your credit score too often can harm your credit score?

I'm not sure about the details. Having your credit checked too often is a minor negative (i.e. It makes it look like you are about to add lots of debt.) Unsolicited checks of your credit (by credit card companies with pre-approved offers) does not impact your credit. I don't know about personally checking your credit.

I have the three companies set on my calendar 4 months apart. I check each one once per year. (Not a score, but only credit history.)

I've had my credit union tell me my score before. I'm not sure what their policies or rules are. (i.e. I'm considering refinancing, what does it look like? What kind of rate will you give me? Etc.)

26 posted on 11/04/2011 11:15:42 AM PDT by Onelifetogive (I tweet, too... @Onelifetogive)
[ Post Reply | Private Reply | To 10 | View Replies]

To: WOBBLY BOB
I want to make sure I’m at or about 730+ before refinancing.

If you have a 5+ years of credit history, and don't have any delinquent accounts in the past year, you should be fine.

But, go ahead and get your credit score. Go to someplace like Equifax.com or Experian.com and get it directly from the reporting agency.

27 posted on 11/04/2011 11:19:19 AM PDT by justlurking (The only remedy for a bad guy with a gun is a good WOMAN (Sgt. Kimberly Munley) with a gun)
[ Post Reply | Private Reply | To 23 | View Replies]

To: WOBBLY BOB
I already asked them and Experian (in writing) to remove it as it’s wrong, but they never did.

No, you don't ask them to remove it.

You tell them that it is wrong, and demand that they verify it. The responsibility to prove it is valid is Experian's, not yours.

If the book club still claims you owe, then you demand that the book club produce a contract with your signature on it that obligates you to pay.

28 posted on 11/04/2011 11:22:02 AM PDT by justlurking (The only remedy for a bad guy with a gun is a good WOMAN (Sgt. Kimberly Munley) with a gun)
[ Post Reply | Private Reply | To 25 | View Replies]

To: Company Man

found it, thanks
http://www.clarkhoward.com/news/clark-howard/personal-finance-credit/know-your-real-credit-score/nFZr/
still not clear on how /where to find the actual FICO score on the Equifax, Experian and TransUnion reports


29 posted on 11/04/2011 11:26:25 AM PDT by WOBBLY BOB (See ya later, debt inflator ! Gone in 4 (2012))
[ Post Reply | Private Reply | To 7 | View Replies]

To: WOBBLY BOB
anyone used 'free credit report.com' or similar?

LOL!
If you click into one of those sites, do it from somebody else's computer. Somebody you hate.

30 posted on 11/04/2011 11:29:01 AM PDT by Lancey Howard
[ Post Reply | Private Reply | To 1 | View Replies]

To: Lancey Howard

any relation to Clark Howard?


31 posted on 11/04/2011 11:29:43 AM PDT by WOBBLY BOB (See ya later, debt inflator ! Gone in 4 (2012))
[ Post Reply | Private Reply | To 30 | View Replies]

To: WOBBLY BOB

You have to read the mico-print really, really fast at the bottom of those FreeCreditReport.com ads at the end of the ad.


32 posted on 11/04/2011 11:33:51 AM PDT by TexasCajun (Fast & Furious , Solyndra & Light Squared would be enough to impeach any White President !!)
[ Post Reply | Private Reply | To 1 | View Replies]

To: WOBBLY BOB

From my understanding, you’ll need to tell all 3 agencies (assuming the book club error appears on all three reports) that you dispute it. They will give the book club a certain amount of time to respond to their inquiry (3 or 6 months, I think) and if they don’t respond (which most places don’t, too time consuming), it will be removed.


33 posted on 11/04/2011 11:52:12 AM PDT by lwd
[ Post Reply | Private Reply | To 25 | View Replies]

To: oh8eleven

I found out by accident that the motherless freak bloodsuckers who collect taxes in CA entered a tax lien
against me for property I sold years ago. Since I was
a WA resident at the time and could prove it I owed CA squat and was able to get the lien quashed.

Now I religiously check my credit a couple times a year through Chase to make sure they

1. don’t have bogus info and
2. dispute negative info with creditors.


34 posted on 11/04/2011 11:56:25 AM PDT by RitchieAprile
[ Post Reply | Private Reply | To 14 | View Replies]

To: WOBBLY BOB; ErnBatavia
I already asked them and Experian (in writing) to remove it as it’s wrong, but they never did. A buddy of mine who works in the biz says to just pay them their extortion $ and send proof to the credit gods to atone for my alleged sin.

This could be a very bad thing for your credit! You want to write to the credit agencies again, stating that this is an incorrect entry. By paying the creditor, especially if you didn't owe it, will pretty much guarantee that you'll have a "late pay" note on your credit report for the next 7 years, starting at the date the creditor reports the payment. If you don't owe it, you need to write to all three agencies, and dispute it.

Credit companies WANT to remove "dings" you don't deserve. They can be sued huge amounts of money if they're wrong and you can show you've disputed it.

Mark

35 posted on 11/04/2011 11:57:38 AM PDT by MarkL (Do I really look like a guy with a plan?)
[ Post Reply | Private Reply | To 25 | View Replies]

To: WOBBLY BOB

https://www.annualcreditreport.com/cra/index.jsp is where you really want to go. The Big Three credit agencies are required by law to give you one free credit report per year per company, no strings attached; this site is their portal for doing so.


36 posted on 11/04/2011 12:00:19 PM PDT by ctdonath2 ($1 meals: http://abuckaplate.blogspot.com/)
[ Post Reply | Private Reply | To 1 | View Replies]

To: WOBBLY BOB
A good mortgage lender can pull your score for free. If the score is there; you can just go forward then if you are ready. Even if below 730, it still might not affect things depending on loan to value; loan program etc...

A rate term refi should be ok down to 720 at a 80% lTV.

A lower LTV would probably give even more room if the score was lower

37 posted on 11/04/2011 12:00:41 PM PDT by HereInTheHeartland (I love how the FR spellchecker doesn't recognize the word "Obama")
[ Post Reply | Private Reply | To 23 | View Replies]

To: wolfman23601; WOBBLY BOB
It is “free” for a month then they hit you with recurring charges (somewhere in the neighborhood of $20 per month).

My wife used to work in a credit union call center. She said that she spent half of her working time canceling payments to these services for members.

38 posted on 11/04/2011 12:01:42 PM PDT by Mr.Unique (Very generic, non-offensive, tagline.)
[ Post Reply | Private Reply | To 4 | View Replies]

To: MarkL

thanks. I will try again based on you and justlurking’s info.
hopefully it’s not going to take 3-6 months to resolve.


39 posted on 11/04/2011 12:02:16 PM PDT by WOBBLY BOB (See ya later, debt inflator ! Gone in 4 (2012))
[ Post Reply | Private Reply | To 35 | View Replies]



Mash His Cute Little Nose

We're Looking For a Little Yellow

Donate Monthly
Sponsors will contribute $10 for each New Monthly Donor

40 posted on 11/04/2011 12:06:52 PM PDT by TheOldLady (FReepmail me to get ON or OFF the ZOT LIGHTNING ping list)
[ Post Reply | Private Reply | View Replies]

To: Onelifetogive

Just an FYI, the only people who are supposed to provide your score is the credit bureaus. The car dealer or credit union or bank are not supposed to give you the actual number. They usually will if you ask nice.


41 posted on 11/04/2011 12:09:10 PM PDT by driftdiver (I could eat it raw, but why do that when I have a fire.)
[ Post Reply | Private Reply | To 26 | View Replies]

To: WOBBLY BOB

Nope.
Not Moe, Shemp, or Curly, either.


42 posted on 11/04/2011 12:10:05 PM PDT by Lancey Howard
[ Post Reply | Private Reply | To 31 | View Replies]

To: driftdiver
” They usually will if you ask nice.”

I will be in trouble then! I always offer to give a copy out.
The reason we are not supposed to; is the credit bureaus charge a certain price if we say we don't. The bureaus want to sell sell more products.

I feel pretty strongly about getting a copy in peoples hands so they can go over it and see what's there.

43 posted on 11/04/2011 12:13:17 PM PDT by HereInTheHeartland (I love how the FR spellchecker doesn't recognize the word "Obama")
[ Post Reply | Private Reply | To 41 | View Replies]

To: Steely Tom
The "Big Three":

Equifax
Trans-Union
Experion


44 posted on 11/04/2011 12:21:58 PM PDT by ex91B10 (We've tried the Soap Box,the Ballot Box and the Jury Box; one box left.)
[ Post Reply | Private Reply | To 13 | View Replies]

To: RitchieAprile
Now I religiously check my credit ...
Periodic credit reports are a good thing.
45 posted on 11/04/2011 12:47:54 PM PDT by oh8eleven (RVN '67-'68)
[ Post Reply | Private Reply | To 34 | View Replies]

To: WOBBLY BOB

You are allowed one free credit report per year from each of the three credit rating agencies. Why go through some website where they will hard sell you some service you don’t want?


46 posted on 11/04/2011 12:47:56 PM PDT by Blood of Tyrants (Never believe anything in politics until it has been officially denied.)
[ Post Reply | Private Reply | To 1 | View Replies]

To: Blood of Tyrants

none of the free ones you’re entitled to once a year tell me an actual FICO score


47 posted on 11/04/2011 12:49:59 PM PDT by WOBBLY BOB (See ya later, debt inflator ! Gone in 4 (2012))
[ Post Reply | Private Reply | To 46 | View Replies]

To: ex91B10

I print out the request form for the free credit reports and mail it in - it comes back within a few days - there is no score unless you pay - but the upside is - no cookies on your computer - no chance of accidentally signing up for something you don’t want - no unsolicited emails etc. - the form is so simple - just a few lines - check boxes at the bottom of the form and you’ll get a free report from each of the three agencies - if you’re married you also get one of each for your spouse at no charge. https://www.annualcreditreport.com/cra/index.jsp


48 posted on 11/04/2011 12:53:40 PM PDT by techrules2002
[ Post Reply | Private Reply | To 44 | View Replies]

To: techrules2002
Thanks for the info.


49 posted on 11/04/2011 5:05:37 PM PDT by ex91B10 (We've tried the Soap Box,the Ballot Box and the Jury Box; one box left.)
[ Post Reply | Private Reply | To 48 | View Replies]

Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.

Free Republic
Browse · Search
General/Chat
Topics · Post Article

FreeRepublic, LLC, PO BOX 9771, FRESNO, CA 93794
FreeRepublic.com is powered by software copyright 2000-2008 John Robinson