credit scores

credit scores

What is the cheapest way to obtain credit score? So far I was able to find $35 credit report from all 3 major companies. I haven't order it yet because I'm hoping that I can find something even cheaper. My hubby's credit card company has an affiliate that offers credit reports but I'm not sure

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Thread: credit scores

  1. #1
    Deal GURU
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    Default credit scores

    What is the cheapest way to obtain credit score? So far I was able to find
    $35 credit report from all 3 major companies. I haven't order it yet because
    I'm hoping that I can find something even cheaper. My hubby's credit card
    company has an affiliate that offers credit reports but I'm not sure how
    secure to use that company.

    How often, you guys, check your credit reports? I was only doing it if I get
    credit card refusal but haven't applied for over 4 years so I have no clue
    what our standing at this point.


    Thank you,

    Julia
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  3. #2
    Deal GURU
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    Julia,

    I don't know what the cheapest rate is for a credit report but I do
    know that if you are refused credit you are allowed to receive your
    report for free.

    April
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  5. #3
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    Julia,
    You should heck your credit report ONCE a year for inaccurate
    information. $35 is a deal. (IMHO). We paid $40 2 years ago. I
    don't worrry about that now. We are in a debt program, so credit is
    in toilet.
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  7. #4
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    I always heard that you were allowed a free one once a year or after
    you were denied credit?

    Erin
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  9. #5
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    contact the three credit report numbers on credit card bills or offers they
    will let you know how to do it for free. I got mine online and printed it out
    then used the number they gave me and talked to a live person who helped me
    dispute some wrong things on our records.

    Have a pleasant day!
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  11. #6
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    The major credit data services allow you one free credit report per
    year. If you call your local credit bureau they should be able to
    tell you how to obtain that. Or you can ask the Customer Service
    person at your bank to help you find out. If you Yellow Page search
    on the internet your should be able to find out the 800# to call to
    obtain one or maybe even do it online (But I would not suggest
    online!). There are 3 credit clearing houses EQUIFAX< TRANSUNION<
    AND EXPERIAN>. You do not have to pay anyone for a credit report.
    I would get all three and compare them because what is on one may
    not be on another. You may need to go to the credit bureau or bank
    and get them to help you read it. Also, if you receive a turndown
    from any credit application, or any negative credit response from
    anyone, you are entitled to a copy of your credit report....by
    law...to find out why you were denied credit. BY LAW, the company
    who denied your credit application, or gave you less than you
    requested (in service, credit line, cash or whatever) due to a
    credit report, they MUST provide you, in writing with the source of
    their information and the contact information for that source. Then
    you take that denial letter and contact that bureau to see what is
    on your report. Some people would apply for credit that they knew
    they would be denied, just so they could obtain a free credit
    report. DO NOT DO THAT. What some people do not understand is that
    the "credit score" that all businesses use to determine their
    relationship with you, is determined by many factors (age, housing
    status and how long you have been at your address, type of work your
    do and how long you have been doing that type of work--not
    necessarily at that employer, credit history which includes not only
    how much you owe but how you have paid for the last 7 years, what
    type of debts you owe be it credit cards/loans/mortgages/student
    loans,how many times you have been denied credit and HOW MANY
    REQUESTS FOR CREDIT INFORMATION THE CREDIT BUREAU HAS RECEIVED IN A
    CERTAIN AMOUNT OF TIME. What people also don't realize is that many
    car dealers and mobile dealers will take your application for credit
    and fax and email to several financial institutions at one
    time...which means your credit record gets hit multiple times with
    requests for credit in a few minutes. It is unfair and when you are
    car shopping, you should tell them to let you do your own finance
    shopping. I worked in the consumer loan business for 12 years and
    There are so many things that people are not aware of, because there
    are so many businesses that will do anything to make money off
    people. YOu don't find out about things until after the fact. I
    just couldn't stand it anymore.

    Call those 3 credit houses and get your reports, check them and make
    sure anything that is not accurate is removed. That will be a
    nightmare in itself, but worth it. Also, if there are inquiries
    from credit institutions listed on your reports, call those
    institutions or have the credit bureau call them and verify why they
    inquired on your account. If you did not authorize it, make the
    credit bureau aware of that and have it removed. Credit card
    companies and smaller loan companies are notorious about doing
    credit updates without your knowledge, so they can send you
    solicitation for more money or credit line. OK, off my soap box.

    In this day of i.d. theft....everyone should take advantage of those
    annual free credit reports and be sure no one has applied for credit
    in your name. We found a couple of years ago that someone had
    applied at Circuit City in my 19 year old dd's name for a stereo.
    We contacted the credit clearing house and they put a flag on her
    ssn, so that anyone applying for credit had to show picture i.d. If
    a credit company gave extended credit to someone with her ssn and
    could not show proof that they verified with photo i.d., my dd was
    not liable for the debt. There really is no reason for anyone to
    have to pay for a credit report. If you are denied credit, you are
    entitled to see why. You get a free one every 12 months. If you
    have a dispute, you are entitled to see it until the dispute is
    cleared up.
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  13. #7
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    In certain states person can get a free report once a year. I have not
    applied for a loan or credit card, therefore I wasn't denied credit.

    I went to http://www.epinions.com and search for credit agencies and such. It gave
    me pretty big list of what people think about their credit reports. That
    site also can show opinions about different banks. I never thought of
    visiting that site for credit agencies.

    Thank you all who responded. I think I'm just going to order reports one by
    one from each company.

    Julia
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