Credit Reports

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What is the best site to review annual credit reports? Are the membership ones better than the free ones?

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Depends on what you are needing your credit score for reference as there are so many different models

If you are looking for mortgage/auto loan and want exact number

MyFico cost a fee but you can get the exact scores used for mortgage/auto loan if you pay for the right report (got to make sure that model is included)

If you are just trying to generally track credit and improve score

Any of the free services like creditkarma, credit.com or even "FICO" scores on credit cards are decent options.

I've paid for one of those things before and it's just a waste of money

Don't ever do it

This is the free one:

Annual Credit Report

Don't pay for the ones that send you spams or want you to sign up for "credit monitoring" etc. Those are ripoffs baw.

This is the best one for monitoring your credit on a regular basis (for free), and info on improving your credit score:

Credit Karma

Annualcreditreport.com
Is the only site approved by federal government... Allows one pull every 12 months.

LINK

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Annual Credit Report is best option

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If you want your credit score as it relates to credit lending, this is the absolute most moronic advice someone can give. It is the equivalent of someone asking an engineer "How much weight can this elevator hold" and the engineer saying "well here are the materials we made it out of you calculate the physics"

Made a new thread that gives more informed thoughts on this subject



To get your credit history for free, the only 100% accurate way is through annualcreditreport w/e. It is government required by law to be free once a year provided by credit reporting agencies.


Your credit report is often times available for free on places like Credit Karma but they only update 2/3 andinfrequently.

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Ok AmeriKop45. I see 2-5 people a day that come into dealership that state and/or show CreditKarma score, and pull Equifax & Transunion, not once was it within 10 points. Actually average difference is 60 points difference, always true score is lower. But what do I know, just see it everyday

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If every person I've met is a CEO, does not mean all people are CEOs.

What you are saying is just not true. Just because you see people's credit scores every day does not mean you know how credit works.Your comment is absolutely incorrect.

ETA - While it is true that CreditKarma is a TU and EQ PROXY score, meaning it shadows those two scores, and is not always exactly the same as true scores, to make a blanket comment on the relationship between the two is almost always going to be an inaccurate one.

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I know how credit work

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Doesn't sound like it.

To answer the OPs question "in short" - Check Credit Karma. For laymen like you and I, that, along with free FICO scores from a number of avenues, is enough to give you a materially fair representation of your credit health.

If you want and you know how to read your credit report (will not include credit score) you can get 1 free annual report every year. But like someone said - that info is too broad and more than likely not going to be useful for you. But I recommend that you do this anyway to check if anything out of the ordinary is going on on your record so you can dispute that.

You are also entitled to a free credit report anytime someone places a hard inquiry on your record. Applying for credit cards, closing on loans etc.

End of story.

Relax. I know a little more than 'financing for dummies.'

I am saying your blanket comment of true score always being X - Y points less than CK score is wrong.

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If you want your credit score as it relates to credit lending, this is the absolute most moronic advice someone can give.

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The OP asked for credit reports, not a FICO score. In this case, Annual Credit Report is indeed the best option and the only one I would consider.

You could have worded your answer to be informative instead of sounding like a tool.