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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
320 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
5276 posts
Posted on 3/11/14 at 7:57 pm to
Go directly to Experian, Transunion and Equifax.
Posted by LSUisKING12
Baton Rouge
Member since Sep 2010
320 posts
Posted on 3/11/14 at 8:03 pm to
Thanks. Two of them have the $1 free trial. Any reason to do all three? I'm pretty new to this.
Posted by southernelite
Dallas
Member since Sep 2009
53125 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 LSUisKING12
Baton Rouge
Member since Sep 2010
320 posts
Posted on 3/11/14 at 8:15 pm to
I only see where you have to pay for the $1 free trial. How do you get the free one or do they offer you this trial once a year?
Posted by Iowa Golfer
Heaven
Member since Dec 2013
10229 posts
Posted on 3/11/14 at 8:21 pm to
Go to Credit Karma. Create an account. The score(s0 you will get a generally Trans Union scores, but the other two bureaus should be close.
Posted by LSUisKING12
Baton Rouge
Member since Sep 2010
320 posts
Posted on 3/11/14 at 8:49 pm to
Is credit karma as accurate as the rest? I think I may have found out how to get the other three for free, it said you must go to annualcreditreport.com. Sound right?

Also, how good must your credit be to qualify for 0% financing on your first car loan? I'm not shopping for one now, just trying to get an idea if I'll be eligible for it.
Posted by Tigerpaw123
Louisiana
Member since Mar 2007
17250 posts
Posted on 3/11/14 at 8:54 pm to
The 3 free a year is referring to your credit report not your credit score, when looking for your credit score you want your FICO score which you will probably have to pay for it but make sure it is a FICO score, all the others are really worthless
Posted by GenesChin
The Promise Land
Member since Feb 2012
37704 posts
Posted on 3/11/14 at 8:54 pm to
My discover it card gives me a score every month that is pretty on target. Nice card for me and I know they were running a intro offer awhile back
Posted by AUtigerNOLA
New Orleans, LA
Member since Apr 2011
17107 posts
Posted on 3/11/14 at 8:55 pm to
The annual credit report will give you the report not the score. You have to pay extra for the credit score unless you go to credit karma. But credit karma isn't completely accurate but it should be close
Posted by LSUtigerME
Walker, LA
Member since Oct 2012
3786 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 htownjeep
Republic of Texas
Member since Jun 2005
7611 posts
Posted on 3/11/14 at 10:03 pm to
quote:

I use Myfico to get my scores.

So do I. You can get all 3 but there's a cost. But, it's accurate.
Posted by Bob Sacamano
Houston, TX
Member since Oct 2008
5276 posts
Posted on 3/11/14 at 10:04 pm to
I find credit karma to be very inaccurate. By a long shot.
Posted by Teddy Ruxpin
Member since Oct 2006
39545 posts
Posted on 3/11/14 at 10:31 pm to
quote:


I find credit karma to be very inaccurate. By a long shot.


Ya it has its quirks. Especially if an account closes that had a negative remark. It will think you no longer have that mark when you do.

After Credit Karma, there is Credit Sesame, and Quizzle. All try to mirror each of the individual bureaus.

Discover It and Barclay World Arrival give free periodic credit scores
This post was edited on 3/11/14 at 10:32 pm
Posted by wizziko
New Jersey Nets Fan
Member since Jan 2006
35881 posts
Posted on 3/11/14 at 11:14 pm to
quote:

Discover It and Barclay World Arrival give free periodic credit scores

I have both and the Discover gives you it each month. The Barclays gives you it each month ALONG with notifying you of any changes
Posted by JonTheTigerFan
Central, LA
Member since Nov 2003
6784 posts
Posted on 3/12/14 at 2:52 am to
quote:

Go directly to Experian, Transunion and Equifax.


The scores you get directly from the bureaus aren't FICO scores. I know how shitty that sounds but it's just another way for them to make money. This is from the Equifax site:

quote:

The Equifax Credit Score is intended for your own educational use. It is also commercially available to lenders along with numerous other credit scores and models in the marketplace. Please keep in mind lenders are likely to use a different score when evaluating your creditworthiness.


If you want your accurate scores, go to MyFico as some have already mentioned. You will have to pay but if you're trying to apply for credit, it's likely worth it. CreditKarma may or may not be close to your actual score due to it being a different scoring model than FICO. Mine is usually WAY off from my actual FICO score but I've read where some people say their's is actually pretty close. There's a reason people refer to scores other than FICO scores as "fakos."
Posted by mglsu21
Prairieville
Member since Jun 2012
1260 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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