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Where is the best place to find out your credit score?

Posted on 3/11/14 at 7:55 pm
Posted by LSUisKING12
Baton Rouge
Member since Sep 2010
321 posts
Posted on 3/11/14 at 7:55 pm
I'm wondering where the best place is to find your credit score. You see all these commercials about finding it, just want to know which one will give you the most accurate.
Posted by Bob Sacamano
Houston, TX
Member since Oct 2008
5277 posts
Posted on 3/11/14 at 7:57 pm to
Go directly to Experian, Transunion and Equifax.
Posted by southernelite
Dallas
Member since Sep 2009
53180 posts
Posted on 3/11/14 at 8:08 pm to
You can request a free one from each of the 3 once a year. I lot of people pull one every 4 months to kinda monitor year round.
Posted by LSUtigerME
Walker, LA
Member since Oct 2012
3816 posts
Posted on 3/11/14 at 9:14 pm to
I use Myfico to get my scores. I think you can buy two bureaus from them. Not too bad and I usually do it before applying for credit.

As for the 0% qualification, most manufacturers list te eligibility by Tiers. Generally, it's over 700. Maybe as low as 680. However, some will have restrictions if this is your first auto loan.
Posted by mglsu21
Prairieville
Member since Jun 2012
1262 posts
Posted on 3/12/14 at 10:08 am to
quote:

just want to know which one will give you the most accurate.


Myfico hands down. It will cost you money but is the most accurate.


Credit karma is a great resource to keep up with the accuracy of your credit report, but it will give you a score that is often not close to the score that lenders use. Sometimes it is, but you cannot count on CK for score accuracy. However it is a great free resource to keep up with 1 bureau.

You also need to go to annualcreditreport to get your free reports (no scores) yearly. You can get all 3 reports free once per year. Stats show that approx 2/3 of credit reports contain inaccuracies so you need to check all 3 reports yearly.
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