Credit report is free to you once a year. Why pay third party to look at your own stuff?
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Credit report is free to you once a year. Why pay third party to look at your own stuff?
Originally Posted by MB888
They wont show you your score without paying.
Yes they will. If you go to Creditkarma.com you can see a full report, including your score for free. However, you'll start receiving credit offers in the mail 4 times a week. After you go there, I'd Google how to unsubscribe from the free offers and improve your score a few points in a matter of weeks. MB888 knows all about it.
"There are no finger prints under water."
by law you can get 1 free credit report from the big 3 once a year.
check out
annualcreditreport.com
For a people who are free, and who mean to remain so, a well-organized and armed militia is their best security.
-Thomas Jefferson
Ok so maybe I am the only one that fell for "free credit report.com", they will send you the report free, but to see it right away and get your score they make you sign up for a "trial" offer that you then cannot cancel before getting billed.
No, I've tried to see my score from that website a bunch of times and you're right. You get your report, but they scam you into paying to see the numbers.
"There are no finger prints under water."
By law you're entitled to one each of your three credit reports (one from each credit bureau) for free once a year anyway. Freecreditreport.com and all those similar 'services' are scams.
http://www.ftc.gov/bcp/edu/pubs/cons...dit/cre34.shtm
"Only one website is authorized to fill orders for the free annual credit report you are entitled to under law — annualcreditreport.com. Other websites that claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring” are not part of the legally mandated free annual credit report program. In some cases, the “free” product comes with strings attached. For example, some sites sign you up for a supposedly “free” service that converts to one you have to pay for after a trial period. If you don’t cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card."
You realize the score you get through third party doesn't mean a thing right? How many times have you pulled your own credit to check your score and when you go to apply for a credit, the creditors come up with different scores. Most third party use estimation formula based on FICO to generate your score. Sometimes its within 10-20, other times it's WAY off.
Different credit companies also tweak their own formula. I know certain credit companies I would pull from to get higher score for my clients than other companies.
You went through a third party. Go direct.. equifax.com, experian.com or transunion.com.
+1 for this place.
Who are you to want to escape a thugs bullet? That is only a personal prejudice, ( Atlas Shrugged)
"Those that don't watch the old media are uninformed, those that do watch the old media are misinformed." - Mark Twain
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