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Hot Carl 
LSU Fan
Where I want to be
Member since Dec 2005
37223 posts
| Best place to get a detailed credit report from all 3 bureaus? (Posted on 1/31/13 at 12:06 pm)
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
4355 posts
 Online
| re: Best place to get a detailed credit report from all 3 bureaus? (Posted on 1/31/13 at 12:11 pm to Hot Carl)
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 
New Orleans Saints Fan
The Batcave
Member since Mar 2011
2133 posts
| re: Best place to get a detailed credit report from all 3 bureaus? (Posted on 1/31/13 at 12:15 pm to wiltznucs)
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
4355 posts
Online
| re: Best place to get a detailed credit report from all 3 bureaus? (Posted on 1/31/13 at 12:19 pm to iAmBatman)
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
37223 posts
| re: Best place to get a detailed credit report from all 3 bureaus? (Posted on 1/31/13 at 12:22 pm to iAmBatman)
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
New Orleans Saints Fan
The Batcave
Member since Mar 2011
2133 posts
| re: Best place to get a detailed credit report from all 3 bureaus? (Posted on 1/31/13 at 12:38 pm to Hot Carl)
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
1899 posts
| re: Best place to get a detailed credit report from all 3 bureaus? (Posted on 1/31/13 at 1:02 pm to Hot Carl)
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 
Nebraska Fan
Colorado
Member since Mar 2007
22450 posts
| re: Best place to get a detailed credit report from all 3 bureaus? (Posted on 1/31/13 at 1:02 pm to iAmBatman)
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
New Orleans Saints Fan
The Batcave
Member since Mar 2011
2133 posts
| re: Best place to get a detailed credit report from all 3 bureaus? (Posted on 1/31/13 at 1:37 pm to Will Cover)
quote:
Credit Karma scores can vary greatly from scores reported by MyFico.
Mine have always been pretty close
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Will Cover
Nebraska Fan
Colorado
Member since Mar 2007
22450 posts
| re: Best place to get a detailed credit report from all 3 bureaus? (Posted on 1/31/13 at 2:17 pm to iAmBatman)
quote:
Mine have always been pretty close
Any resemblance to your FICO is purely coincidental.
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iAmBatman
New Orleans Saints Fan
The Batcave
Member since Mar 2011
2133 posts
| re: Best place to get a detailed credit report from all 3 bureaus? (Posted on 1/31/13 at 2:56 pm to Will Cover)
 whatever you say chief...
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Projectpat 
Texas A&M Fan
Houston, TX
Member since Sep 2011
3006 posts
| re: Best place to get a detailed credit report from all 3 bureaus? (Posted on 1/31/13 at 6:14 pm to Will Cover)
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
13437 posts
| re: Best place to get a detailed credit report from all 3 bureaus? (Posted on 1/31/13 at 6:53 pm to Projectpat)
quote:
They must have a pile of seven leaf clovers in the back.
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JonTheTigerFan
LSU Fan
Zachary, LA
Member since Nov 2003
4236 posts
| re: Best place to get a detailed credit report from all 3 bureaus? (Posted on 2/1/13 at 5:17 am to Will Cover)
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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