RSSQuestion about free credit score?
August 30th, 2010 by admin | Filed under 3 Free Credit Scores.|
Check the Situation That Best Applies to You... And Then Click the Button Below to See Your Credit Scores Free I want my free credit scores I want to apply for a credit card I want to protect my identity Just curious
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I’m trying to get my credit score. You can get 3 every year for free. One of them is through equifax, which I have already used in 2009. What are the other two? Don’t say ‘free credit report bc that’s not right, it’s a scam website (more or less)
Tags: Credit score, Equifax, free credit report
Yes, the three are Equifax (EFX), Experian (EXP), and TransUnion (TUN). You can go to annualcreditreport.com to get them. You have to pay for your credit score, but the credit reports are free once per year.
Transunion and Experian. I recently checked all of mine here without having to give any credit card information.
https://www.annualcreditreport.com/cra/index.jsp
You can access your free annual credit report (not score) online for all three credit bureaus thru AnnualCreditReport.com. This is the site mandated by the FTC and is the ONLY site that does not require you to sign up for credit monitoring. Reports are free but scores are not.
FICO is the score creditors use. Don’t bother paying for any score that isn’t FICO. The Equifax site uses FICO. You can get FICO scores for Equifax and TransUnion at MyFico.com. Consumers can no longer purchase FICO scores for Experian.
TransUnion and Experian sites use Vantage (scale to 990 vs FICO’s 850) or each has their own Fakko scores which are even more worthless. Third party monitoring services use Fakko scores.
CreditKarma.com offers a free score estimator based on your TransUnion credit report. It’s kinda like FICO, give or take 50 points or so. Good enough if you are just curious about your score.