Best place to get a detailed credit report from all 3 bureaus? | TigerDroppings.com

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Hot Carl
LSU Fan
Where I want to be
Member since Dec 2005
38155 posts

Best place to get a detailed credit report from all 3 bureaus?



Also, what is the board's thoughts on things like Credit Karma and the like. I don't have that much debt money-wise, but I have several smaller debts spread out. I finally have some extra income and to devise a plan to raising my credit score.

Tia







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wiltznucs
South Florida Fan
Apollo Beach, FL
Member since Sep 2005
7957 posts

re: Best place to get a detailed credit report from all 3 bureaus?


The government mandates that you can have free access to your credit report once a year.

Here's the link...

LINK

FreeCreditReport.com and those other services are a scam. They make money off of giving you something that is free.



This post was edited on 1/31 at 12:27 pm


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iAmBatman
USA Fan
The Batcave
Member since Mar 2011
4462 posts

re: Best place to get a detailed credit report from all 3 bureaus?


How is credit karma a scam?

I've been using it for over a year and have never had to pay a dime.






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wiltznucs
South Florida Fan
Apollo Beach, FL
Member since Sep 2005
7957 posts

re: Best place to get a detailed credit report from all 3 bureaus?


quote:

How is credit karma a scam?


I'm sorry, you may be right. The other notorious one is called national credit report.com or something along those lines.






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Hot Carl
LSU Fan
Where I want to be
Member since Dec 2005
38155 posts

re: Best place to get a detailed credit report from all 3 bureaus?


thanks for the info. Tell me more about Credit Karma. I downloaded the app, but when I tried to register, it said my name and social didn't match or some such nonsense. But is it just a good way to keep track of your credit, debts, etc...or do they give you advice?





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iAmBatman
USA Fan
The Batcave
Member since Mar 2011
4462 posts

re: Best place to get a detailed credit report from all 3 bureaus?


The website is creditkarma.com. Go there and set up an account (it's free). I wouldn't use it to keep tract of credit card balances and debt (use mint.com for that).

It basically gives you an estimate of your credit score based on your credit information. It isn't exact but it will be within 10-20 points of your actual credit score.






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TDsngumbo
LSU Fan
Member since Oct 2011
5703 posts
 Online 

re: Best place to get a detailed credit report from all 3 bureaus?


If you have a citibank credit card, you can order their credit monitoring service for about 9 bucks a month. It comes with just about all the details you could imagine. I've been getting it for at least a year now and I love it. Definitely worth the 9 buck a month.





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Will Cover
Washington Fan
Whiskey Dick Mountain, WA
Member since Mar 2007
25328 posts

re: Best place to get a detailed credit report from all 3 bureaus?


quote:

It isn't exact but it will be within 10-20 points of your actual credit score.


Not true.

Credit Karma scores can vary greatly from scores reported by MyFico.





This post was edited on 1/31 at 1:03 pm


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iAmBatman
USA Fan
The Batcave
Member since Mar 2011
4462 posts

re: Best place to get a detailed credit report from all 3 bureaus?


quote:

Credit Karma scores can vary greatly from scores reported by MyFico.


Mine have always been pretty close






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Will Cover
Washington Fan
Whiskey Dick Mountain, WA
Member since Mar 2007
25328 posts

re: Best place to get a detailed credit report from all 3 bureaus?


quote:

Mine have always been pretty close


Any resemblance to your FICO is purely coincidental.






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iAmBatman
USA Fan
The Batcave
Member since Mar 2011
4462 posts

re: Best place to get a detailed credit report from all 3 bureaus?


whatever you say chief...





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Projectpat
Texas A&M Fan
Houston, TX
Member since Sep 2011
6553 posts

re: Best place to get a detailed credit report from all 3 bureaus?


quote:

Any resemblance to your FICO is purely coincidental.


They must have a pile of seven leaf clovers in the back.






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Fat Bastard
New Orleans Saints Fan
Paradise
Member since Mar 2009
16796 posts

re: Best place to get a detailed credit report from all 3 bureaus?


quote:

They must have a pile of seven leaf clovers in the back.












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JonTheTigerFan
LSU Fan
Central, LA
Member since Nov 2003
4830 posts

re: Best place to get a detailed credit report from all 3 bureaus?


quote:

Any resemblance to your FICO is purely coincidental.


Exactly. Their scoring models are nowhere near what FICO uses. My score went down on CreditKarma by 50 points so I bought my FICO score because I thought something had happened to lower my score. My FICO score had gone UP by 3 points. My CreditKarma score (provided by TransUnion) is about 70 points lower than my TransUnion FICO score I just got when I applied for a mortgage.






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