is it possible to get a FREE credit score?

CHANGEinWAVES

all the sites I've encountered you actually have to pay for it.... even the damn free credit report. com site. :roll:

Lizard

Don't know of any site that does for free.

I applied for a loan through USAA last week and they gave me scores of all 3 companies but you would have to apply for a loan so........
I guess the only way to do it is to pay!

sorry---not much help.

JOEJOEJOE

CHANGEinWAVES wrote:

all the sites I've encountered you actually have to pay for it.... even the damn free credit report. com site. :roll:

You can get when you apply for some sort of loan/credit, however, keep in mind that your score goes down a bit if there are too many requests for your credit score (since that would suggest that you may be going into the hole soon!).

CHANGEinWAVES

JOEJOEJOE wrote:

CHANGEinWAVES wrote:

all the sites I've encountered you actually have to pay for it.... even the damn free credit report. com site. :roll:

You can get when you apply for some sort of loan/credit, however, keep in mind that your score goes down a bit if there are too many requests for your credit score (since that would suggest that you may be going into the hole soon!).

^^^^^ that could be the issue :roll:

Travelar

You are authorized to get a free credit report annually. From FTC.gov:

Q: How do I order my free report?

A: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.

To order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months.

Lizard

Travelar wrote:

You are authorized to get a free credit report annually. From FTC.gov:

Q: How do I order my free report?

A: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.

To order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months.

But that is different than your SCORE!!!

CHANGEinWAVES

Lizard wrote:

Travelar wrote:

You are authorized to get a free credit report annually. From FTC.gov:

Q: How do I order my free report?

A: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.

To order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months.

But that is different than your SCORE!!!

yes I just got my report... all seems ok but one thing, I've very interested in how this one MAJOR thing has killed my score, or if it has at all.
I'm just interested in where I stand.

PearlOfAGirl

I'm not sure I really want to know... Before all this shit happened my credit score was around 780....

Travelar

Lizard wrote:

But that is different than your SCORE!!!

You are correct, but the first post said something about pulling credit reports.... but I see the error in my thinking. Thanks for keeping me on track.

Lizard

Travelar wrote:

Lizard wrote:

But that is different than your SCORE!!!

You are correct, but the first post said something about pulling credit reports.... but I see the error in my thinking. Thanks for keeping me on track.

You're very, extremely welcome!!

mensane

on my banking site (where i have checking, saving, and credit card statements), it tells me my current score.

All5horizons1991

CHANGEinWAVES wrote:

Lizard wrote:

Travelar wrote:

You are authorized to get a free credit report annually. From FTC.gov:

Q: How do I order my free report?

A: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.

To order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months.

But that is different than your SCORE!!!

yes I just got my report... all seems ok but one thing, I've very interested in how this one MAJOR thing has killed my score, or if it has at all.
I'm just interested in where I stand.

I don't think you can get a FREE score. For a small fee (I think $8 to $20 each) you can get it from the three consumer reporting companies if you go through annualcreditreport.com. I've done it in the past. It was worth it.

deadmosquito

when washington mutual used to exist, if you had a credit card with them they gave you access to your FICO credit score, and updated it each month. that is now going away since jpmorgan chase bought them out. i'm not sure of any other way to get a free one.

SolarWorld

No place gives you a free score. You can get free reports though at www.freecreditreport.com and www.myfico.com. They have different products but I believe you can get all three scores for around 15 bucks at one of both of those sites. More than worth it.