i know there are tons of online "services" that say they can find out your credit score. are these for real? i need to know my credit score...
2007-03-20 06:12:16 · 11 answers · asked by Anonymous in Business & Finance ➔ Credit
What totally sucked was the fact that after college I had so much credit card debt that piled up and it was really affecting my credit score. I searched around and tried a few of those debt consolidation sites but found that nothing that I tried really worked. I found this kick *** site that helped me alleviate these problems and I want to share it with you.
I helped me out so much and I hope it helps you as well.
http://getoutofdebt.5gbfree.com/index.html
2007-03-20 06:52:13 · answer #1 · answered by Anonymous · 0⤊ 1⤋
All of the online services are basically useless when it comes to the credit score. There are different models that different agencies use for different needs. Most usable score used to be FICO score, but even now lenders are looking at different things. If you order a credit score from 3 main agencies (Equifax, Experian & Transunion) more than likely their scores will differ anywhere from 10-50 points, sometimes even more. What you should do, to make sure that your credit is in good standing, is order your free credit report and make sure that there are no creditor discrepancies, and if they are, contact the credit agency and request to investigate or remove incorrect information. Other than that, when you will buy a house or finance a car, a mortgage officer or a dealer will furnish you with a copy of a credit report with a credit score at that point in time.
However, if you do want to get the general idea about what range your credit is most likely in, order FICO score.
2007-03-20 06:24:48 · answer #2 · answered by meallad 2 · 1⤊ 0⤋
The best way is to contact one of the credit agencies directly. I know Equifax has an on-line service where for a fee you can access not only their database regarding your credit score, but also information from the other two credit agencies. It is not expensive either.
2007-03-20 06:16:59 · answer #3 · answered by Jouvert 5 · 2⤊ 0⤋
Find one that offers a free trial, where you can cancel within 30 days and pay nothing. You'll get your credit score and you'll be able to cancel right away. Use one of the bigger name companies such as freecreditreport.com or a similar brand.
Don't bother with annaulcreditreport.com because though free from the government, it doesn't come with a credit score, just your credit history.
Learn more at http://www.thetruthaboutcreditcards.com
2007-03-20 06:16:35 · answer #4 · answered by Todd S 3 · 0⤊ 0⤋
You could try a 30-day free trial, but I don't think it's worth it as these can be difficult to cancel. Go to ww.myfico.com and pay either $45 for the three scores individually, pay them $48 for their special with credit reports, or pay $50 for the Suze Orman FICO kit... I'd go with the $50 kit because it gives information on how to raise the score. Best of luck!
2007-03-20 06:40:36 · answer #5 · answered by Anonymous · 0⤊ 1⤋
You actually have three of them. One from Experian, one from Equifax and one from TransUnion.
You can log on to any of their websites and for a fee, get your score.
There are a bunch of websites that claim they can get it. However, I personally don't want to give my credit information to anyone just to find out my score, especially when I don't know what else they might do with it.
Your other option, if you have anyone at your bank that you can ask, they can get it for you. I called customer service at my bank one time a couple years ago and just asked them what my score was and got it that way.
2007-03-20 06:20:26 · answer #6 · answered by Faye H 6 · 1⤊ 0⤋
Once a year, you can get one free credit report from each of the three major credit reporting agencies: Equifax, Experian, and TransUnion. For more information about this go to www.annualcreditreport.com.
Checkout http://www.howtoestablishgoodcredit.com/Credit_Articles/index.php
There are lots of articles there, related to your question, which you can find useful to boost your credit.
2007-03-21 11:25:19 · answer #7 · answered by BillK 3 · 0⤊ 1⤋
The best is privacyguard.com it is accurate and has a calculator to show you different scenarios . Exaple if you were to pay off a credit card how high would your score go .
2007-03-20 07:35:24 · answer #8 · answered by Anonymous · 0⤊ 0⤋
If you don't mind paying for it. then go to the "credit report" section on www.lagerstone.com
2007-03-20 06:15:41 · answer #9 · answered by Anonymous · 0⤊ 3⤋
www.annualcreditreport.com You can get it here free once a year. New law.
2007-03-20 06:15:36 · answer #10 · answered by Anonymous · 3⤊ 3⤋