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Free (really!) Credit Report with Score?
fightinfilipino
Angry as Hell#BLMRegistered User regular
Angry as Hell#BLMRegistered User regular
so after reading a bit about the Target data breach and the free credit reporting and monitoring they're offering, my mind got to wondering: are there legitimate, non-scummy ways to actually get a free credit score report? i'd do a web search, but i trust those results about as much as i trust google with my search history (i don't).
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Anywhere else offering you a free credit report (and anywhere offering you a free score, which is a different thing) is part of a promotion to get you to sign up for a credit monitoring service.
right, i actually take advantage of the free report once a year, to keep tabs on things.
i'm really asking about the credit score part, since those are usually never free or tied to some fee subscription service.
steam | Dokkan: 868846562
You can get it from myfico.com, this site is actually run by fico, so it's legit. They have some 30-day trial thing that you can cancel out of before they bill you.
FAKE EDIT: Actually I just checked it and they bumped it to $5 from $free for the first month. Well, $5 isn't too bad if you want a proper fico score.
fuck up once and you break your thumb / if you're happy at all then you're god damn dumb
that's right we're on a fucked up cruise / God is dead but at least we have booze
bad things happen, no one knows why / the sun burns out and everyone dies
one of the reasons i'm asking is because there's a high likelihood i'll be applying to rent a new apartment in the coming months, and some of the places i'm looking at require the applicant to provide their own report and score.
kind of weird to me, i'm used to the landlord or management company doing it, but eh.
steam | Dokkan: 868846562
Depends on the market. In SF/Bay Area, we had to provide our own credit reports or pay for them to run them.
It was over 100 points off the last time I used it. Borderline unusable IMO
we also talk about other random shit and clown upon each other
This is the landlord being cheap. Every place that required a credit check, THEY did it (I assume at their cost).
Edit: Apparently it's not just Discover. http://www.bankrate.com/financing/credit-cards/discover-gives-free-credit-score/
They mention Barclay and First National of Omaha. So if you have a card through any of them you should be able to get it for free. I just checked and can confirm that at least Barclay does indeed have this available (and incidentally my CreditKarma estimate is about 25 points off, which is worse than it's been in the past when I've had both available to compare).
Mine and my girlfriends are about 30 points off.
100 points... maybe you looked at the wrong score? CK has vantage and transunion there. Vantage scores tend to be much higher, and no where near FICO.
credit karma does not accurately weight things like positive account history in my opinion
the longer your credit history is the worse it gets
we also talk about other random shit and clown upon each other
I got my free credit report, and was curious about my score so I paid Experian the $5 they were charging to see that information (from them only). Then as soon as reviewing it and seeing all was well, I called Experian to cancel the service. As soon as I said I wanted to cancel, the guy on the phone offered me all three credit scores for nothing extra, which would go into effect 5 min after I ended the call (meaning I wouldn't be cancelling during that call). I agreed to it so I could see all three scores, and I'm glad I did because Transunion had some invalid information on it lowering my score with them. I disputed it and they erased it.
Now I don't know if that particular call agent was just plucky as all hell, smart enough to keep those cancels off of his metrics by offering me something that I actually did want, or if it's Experian's policy to offer all three scores at the same $5 cost if you call to cancel.
But fuck you — no, fuck y'all, that's as blunt as it gets"
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