Best Sites To Check Credit | TigerDroppings.com
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LETSGEAUX2
Member since Oct 2012
380 posts

Best Sites To Check Credit

I'm looking for one good site (even if it costs a few $'s) that will give me a good look at my credit. I will be looking to buy a house in the next few years so I want to see where I stand. Reason I'm asking is because a year ago, I put a hotel on a credit card for $120 for a trip to surprise my wife, forgot to transfer money, and did not realize for 6 months when it was too late for Chase to help me (already reported.) Anyone konw how bad my credit took a hit and when it starts to go back up? Such a stupid mistake ruined everything I've done to this point


ragacamps
LSU Fan
Member since Jan 2011
2346 posts

re: Best Sites To Check Credit
your ok


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Kraut Dawg
Mississippi St. Fan
Member since Sep 2012
242 posts

re: Best Sites To Check Credit
I get my reports annually from annualcreditreport.com. I'm not sure about if you can get a free FICO score. I've not gotten mine in several years & I had to pay like $15. Maybe something's changed since 2008. There are some other credit rating scores that can he had for free (Quizzle, Credit Karma, etc) but I don't think they're the ones looked at by lenders.


LETSGEAUX2
Member since Oct 2012
380 posts

re: Best Sites To Check Credit
Bump for more opinions on this


Teddy Ruxpin
LSU Fan
New Orleans, LA
Member since Oct 2006
20926 posts

re: Best Sites To Check Credit
I just did the 3 scores of all three bureaus through Equifax through their teaser 4.95 rate so i could compare it to credit karma.

Credit karma overstates my credit score by a lot.


I Love Bama
Alabama Fan
Alabama
Member since Nov 2007
33676 posts

re: Best Sites To Check Credit
quote:

Credit karma overstates my credit score by a lot.


well frick...thats what ive been using.


SLafourche07
New Orleans Pelicans Fan
Member since Feb 2008
1440 posts

re: Best Sites To Check Credit
I bought a house at the end of November. CreditKarma told me I was around 760. My actual scores were in the 720s.


Teddy Ruxpin
LSU Fan
New Orleans, LA
Member since Oct 2006
20926 posts

re: Best Sites To Check Credit
quote:

I bought a house at the end of November. CreditKarma told me I was around 760. My actual scores were in the 720s.


Ya, that is about the amount it overstated mine as well.


yellowfin
Illinois Fan
Coastal Bar
Member since May 2006
74633 posts

re: Best Sites To Check Credit
Credit karma was within 4 point of my fico, guess its not real consistent from one person to the next


JonTheTigerFan
LSU Fan
Central, LA
Member since Nov 2003
4870 posts
Online

re: Best Sites To Check Credit
quote:

I just did the 3 scores of all three bureaus through Equifax through their teaser 4.95 rate so i could compare it to credit karma. Credit karma overstates my credit score by a lot.


I don't think you got FICO scores from the Equifax site. Equifax sells a "credit score" that isn't a true FICO. You can get your true Equifax FICO and an older version of your TransUnion FICO from MyFico.com. You can't buy your Experian FICO anymore.

This is from the Equifax website:
quote:

Both the Equifax Credit Score and the FICO Score are general-purpose score models used to predict credit risk. The Equifax Credit Score is a proprietary model created by Equifax. The FICO Score is a proprietary model created by Fair Isaac Corporation (FICO) . All Equifax consumer services and tools make use of the Equifax Credit Score unless otherwise indicated.


Also, my CreditKarma score is WAY off. They use TransUnion and when I had my scores pulled for a mortgage recently, my TransUnion FICO was 70 points higher than the score on CreditKarma. My Equifax FICO was exactly the same as the score I got from MyFico.


BACONisMEATcandy
LSU Fan
Delta, Amex, & Über Threads
Member since Dec 2007
42509 posts

re: Best Sites To Check Credit
My Credit Karma was 2 points lower than my actual score when it was pulled


JonTheTigerFan
LSU Fan
Central, LA
Member since Nov 2003
4870 posts
Online

re: Best Sites To Check Credit
CreditKarma is a good resource to track your credit but the score may or may not be in line with your FICO score. Right before I applied for this mortgage, my CreditKarma score dropped 40 points and I have no idea why. I checked my Equifax and TransUnion FICO scores because I was afraid something negative had posted and they had gone UP 3 points from the last time I checked them.


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JonTheTigerFan
LSU Fan
Central, LA
Member since Nov 2003
4870 posts
Online

re: Best Sites To Check Credit
quote:

BACONisMEATcandy


Btw, aren't you in planning and scheduling? Are you still in the BR area? We just hired 6 more planners on direct at work. Lots of people retiring right now.


BACONisMEATcandy
LSU Fan
Delta, Amex, & Über Threads
Member since Dec 2007
42509 posts

re: Best Sites To Check Credit
quote:

Btw, aren't you in planning and scheduling?

Nooooo... What gave you that idea?


quote:

Are you still in the BR area?

I haven't lived in BR since 08 when I graduated... Do I know you?


Teddy Ruxpin
LSU Fan
New Orleans, LA
Member since Oct 2006
20926 posts

re: Best Sites To Check Credit
quote:

I don't think you got FICO scores from the Equifax site.


Well shite. I guess for 5 bucks it wasn't that bad of an estimation.

Thanks for the heads up.


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JonTheTigerFan
LSU Fan
Central, LA
Member since Nov 2003
4870 posts
Online

re: Best Sites To Check Credit
quote:

Nooooo... What gave you that idea?


My bad! I got you confused with someone else on here.


BACONisMEATcandy
LSU Fan
Delta, Amex, & Über Threads
Member since Dec 2007
42509 posts

re: Best Sites To Check Credit
It's one of the few jobs in our office I would never want to do


HamCandy
LSU Fan
Team Meat
Member since Dec 2008
493 posts

re: Best Sites To Check Credit
quote:

t's one of the few jobs in our office I would never want to do


I don't want to know the jobs you really WANT to do.


BACONisMEATcandy
LSU Fan
Delta, Amex, & Über Threads
Member since Dec 2007
42509 posts

re: Best Sites To Check Credit
That reminds me... I need to make sure the IRS audits you this year


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