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10/14/2008 03:33:34 PM · #1 |
| Hubby wants a printout of his credit report as he is trying to buy a truck to work in since his was totaled. There are so many online, I don't know where to start. Can anyone tell me which ones the car lots use?... or the best place to get one. I guess I don't mind paying as long as it's legit. |
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10/14/2008 03:39:23 PM · #2 |
Go straight to the credit reporting agency. TransUnion, Equifax and Experian. I think all three will give you one free report per year and it won't count as an inquiry against your score.
Message edited by author 2008-10-14 15:39:46. |
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10/14/2008 03:51:41 PM · #3 |
Originally posted by trevytrev:
Go straight to the credit reporting agency. TransUnion, Equifax and Experian. I think all three will give you one free report per year and it won't count as an inquiry against your score. |
As I recall, you may need to pay to see your credit rating number though.... |
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10/14/2008 04:08:18 PM · #4 |
| Thanks. I remember visiting these sites once for my own report, but didn't follow through because of the $15 or so. Now I think we'll shell it out for his report. But I didn't know that inquiring more than once goes against your score. Did I hear you right? |
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10/14/2008 04:12:08 PM · #5 |
AnnualCreditReport.com is the official place to get one free (as in really free, no subscription services) credit report per year from each credit agency, so would be the best place to start. However, you won't get your credit score, which is something you'll have to pay for.
Message edited by author 2008-10-14 16:13:30.
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10/14/2008 04:16:22 PM · #6 |
Originally posted by Manic:
AnnualCreditReport.com is the official place to get one free (as in really free, no subscription services) credit report per year from each credit agency, so would be the best place to start. However, you won't get your credit score, which is something you'll have to pay for. |
Ah, that's what I was looking for. Thanks!! |
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10/14/2008 04:17:10 PM · #7 |
Originally posted by cynthiann:
Thanks. I remember visiting these sites once for my own report, but didn't follow through because of the $15 or so. Now I think we'll shell it out for his report. But I didn't know that inquiring more than once goes against your score. Did I hear you right? |
The way I understand it, every time your credit score is checked, you total points are "zinged." that is the primary reason I will not fill out credit card applications at department stores and what not. |
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10/14/2008 04:20:46 PM · #8 |
Originally posted by karmat:
Originally posted by cynthiann:
Thanks. I remember visiting these sites once for my own report, but didn't follow through because of the $15 or so. Now I think we'll shell it out for his report. But I didn't know that inquiring more than once goes against your score. Did I hear you right? |
The way I understand it, every time your credit score is checked, you total points are "zinged." that is the primary reason I will not fill out credit card applications at department stores and what not. |
There are many ways for your credit score to get zinged - including not having enough available revolving credit, not having enough available credit (a high percentage of your available credit used up as balances), issues with past credit, etc. I don't believe that you checking your own credit once a year negatively impacts your score. |
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10/14/2008 04:21:08 PM · #9 |
Originally posted by karmat:
Originally posted by cynthiann:
Thanks. I remember visiting these sites once for my own report, but didn't follow through because of the $15 or so. Now I think we'll shell it out for his report. But I didn't know that inquiring more than once goes against your score. Did I hear you right? |
The way I understand it, every time your credit score is checked, you total points are "zinged." that is the primary reason I will not fill out credit card applications at department stores and what not. |
It's not each time, but if you apply for lots of credit accounts, generating a large volume of inquiries, it will lower your score.
Your own inquiries don't count.
FWIW, since there are 3 reports, I check one every 4 months rather than all of them at once. That way I stand a better chance of catching the kind of error that would show up at multiple agencies.
Message edited by author 2008-10-14 16:24:22. |
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10/14/2008 04:29:25 PM · #10 |
Originally posted by Manic:
AnnualCreditReport.com is the official place to get one free (as in really free, no subscription services) credit report per year from each credit agency, so would be the best place to start. However, you won't get your credit score, which is something you'll have to pay for. |
Actually according to Clark Howard (consumer advocate/radio talk show host) you can get your credit score for free. See here: Free credit score now available online. It's down the page listed under Sept 5th, 2008. I haven't tried it so I can't vouch for it but it comes from a good source.
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10/14/2008 08:25:59 PM · #11 |
Originally posted by yanko:
Originally posted by Manic:
AnnualCreditReport.com is the official place to get one free (as in really free, no subscription services) credit report per year from each credit agency, so would be the best place to start. However, you won't get your credit score, which is something you'll have to pay for. |
Actually according to Clark Howard (consumer advocate/radio talk show host) you can get your credit score for free. See here: Free credit score now available online. It's down the page listed under Sept 5th, 2008. I haven't tried it so I can't vouch for it but it comes from a good source. |
These free scores are different from the actual FICO scores as I understand. They may be a representative of the credit standing, but are not the actual score that the OP may need.
Also, re:  Spazmo99, from AnnualCreditReport.com, I could only check the report with one of the three agencies in a year. The others complain if I have already checked it at least once in a year... that was in the past two years consecutively.
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10/14/2008 08:46:54 PM · #12 |
We did freecreditreport.com - bad experience
little did we know after our free credit report, every month thereafter, they were charging our bank account 15$
I was pretty ticked off about this, so I called and spent hours on the phone and complained, and they stopped billing but they did not refund |
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10/14/2008 09:10:57 PM · #13 |
Originally posted by Prash:
Originally posted by yanko:
Originally posted by Manic:
AnnualCreditReport.com is the official place to get one free (as in really free, no subscription services) credit report per year from each credit agency, so would be the best place to start. However, you won't get your credit score, which is something you'll have to pay for. |
Actually according to Clark Howard (consumer advocate/radio talk show host) you can get your credit score for free. See here: Free credit score now available online. It's down the page listed under Sept 5th, 2008. I haven't tried it so I can't vouch for it but it comes from a good source. |
These free scores are different from the actual FICO scores as I understand. They may be a representative of the credit standing, but are not the actual score that the OP may need.
Also, re: Spazmo99, from AnnualCreditReport.com, I could only check the report with one of the three agencies in a year. The others complain if I have already checked it at least once in a year... that was in the past two years consecutively. |
How do you know that the scores are different? Have you already tried it? Btw, I used AnnualCreditReport.com earlier this year and didn't have a problem getting a report from all three credit bureaus. Your problem is odd. It sounds like your credit report is being pulled by someone otherwise you should be able to access all three once a year through AnnualCreditReport.com.
Message edited by author 2008-10-14 21:12:06.
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10/14/2008 09:17:14 PM · #14 |
The annual credit report is limited to one of the 3 each one once per year (blow all 3 at once and your done for the year - or use a different one thru the year..... Don't think there are different rules per state but entirely possible.
Message edited by author 2008-10-14 21:18:18. |
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10/14/2008 09:20:45 PM · #15 |
| Last week I used annualcreditreport.com and checked all 3 of my credit reports on the same day ... I do it once a year and have never had a problem checking all 3 of them ... |
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