rach: How do I find out my credit score and monitor it??
I have gone to TransUnion, Experian, and Equifax but they only gave me my credit REPORT and NONE gave me my credit SCORE. I want to know my credit SCORE and monitor it. I’ve seen other questions on here asking “How do I find out my credit score?” and people say go to annualcreditreport.com well that didn’t work for me. So unless you know from personal experience that a website will give me my credit SCORE please don’t answer. AND DON’T ANSWER SAYING ANYTHING ABOUT TRANSUNION, EXPERIAN, OR EQUIFAX! Thanks =]
Rusty… go to that website… look in the top right corner… enough said.
And after reading what the FTC had to say about them, I wouldn’t go there anyway.
Answers and Views:
Answer by Rusty S
freecreditreport.com
The best public scoring you will find is genuine FICO.
You can get all three scores here:
click buy now, then choose which scores you want to purchase. Use either code below to get a discount.
GOALS25
CPPSAVINGS
FICO does not do credit reports, only scores. So, they take a look at your Transunion, your Experian and your Equifax reports and base their scores on the info within the reports.
They also monitor Equifax scores since FICO and Equifax work hand in hand.
The other two, Transunion and Experian have their own “scoring” system, but it’s a waste of money.
The FICO score monitoring service is called Score Watch.
They send you updates when things happen that change your Equifax score. It’s a pretty good service, albeit expensive.
Transunion has a score called Vangage. They are inaccurate as heck.
Experian has their own service too, Same. Inaccurate.
I have used them all. FICO is the only one that comes close to the scores a mortgage company gave me.
ScoreWatch is very helpful. You can try it for 30 days free! It’s worth the free trial.
Note: I don’t think the discount codes will work on Score Watch since they’re offering a 30 day free trial.
I used a code on June 3rd for a discount on checking my scores and it worked.
One more thing. I do use Transunion’s credit report monitoring service. I get email alerts that let me know any changes in any one of the three credit reporting agencies.
But, this is different than a score monitoring service.
Hope that helped!
Answer by MSADI just pulled my score 2 days ago.
Here’s what you do.
www.annualcreditreport.com
You are entitled to a free copy of your credit report each year from each of the 3 bureaus. However, that’s just your report – not your score. After you view your report you will have an option to purchase your score. That usually costs about $ 6.00. I paid the $ 6.00 and got mine. I do not know of any way to get your score for free.
Each of the credit bureaus has a service you can purchase that will allow you to log in and check your score as often as you like. However, you have to purchase this service from the credit bureau.
Or you can go to the web site for each of the credit bureaus and pay to get a copy of your score. The credit bureaus are the ones who determine the score. So, it’s better to go directly to them to get the score than to go to a third party site and paying so that the third party site can get the info from the credit bureau. Since you are cutting out the middle man…it’s cheaper to go straight to the bureaus yourself.
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