NWR: Credit Score

emomma17 Posted: Feb 28, 2008 12:34 PM

NWR: Credit Score

Does anyone know a good site for it, I know when I google it sooooooooooo many sites come up I don't want to join something for a free trial for 30 days blah blah i just want my score and that's all!! Any recommendations??

lizzzie35 Posted: Feb 28, 2008 12:38 PM

Re: NWR: Credit Score

I used freecreditreport.com

emomma17 Posted: Feb 28, 2008 01:01 PM

Re: NWR: Credit Score

did you have to sing up for the 30 day trial though and pay a fee?

skinny237 Posted: Feb 28, 2008 01:01 PM

Re: NWR: Credit Score

Posted by lizzzie35

I used freecreditreport.com

Me too!

skinny237 Posted: Feb 28, 2008 01:02 PM

Re: NWR: Credit Score

Posted by emomma17

did you have to sing up for the 30 day trial though and pay a fee?

Yes, but for me it was worth it bc I really wanted to keep an eye out and see how my credit was getting better.

U can also go to experian.com (one of the credit reporting agencies) and get a free credit report. U r entitled to 1 per year, by law.

lizzzie35 Posted: Feb 28, 2008 01:03 PM

Re: NWR: Credit Score

Posted by emomma17

did you have to sing up for the 30 day trial though and pay a fee?

I don't remember I don't think I had to pay anything though...

MrsJ08 Posted: Feb 28, 2008 01:28 PM

Re: NWR: Credit Score

Usually your credit card company whether is visa, amex mastercard, they can send out your credit report to you if you request one. Don't think there is a charge. Or maybe go to a bank and have a broker check, might be a fee?

I did freecreditreport.com but ended up paying like $10

rahana316 Posted: Feb 28, 2008 01:46 PM

Re: NWR: Credit Score

The three credit bureas that pretty much have your life in your hands it Equifax, Transunion and Experian.

If you go to www.ftc.gov, they will explain to you how to obtain all 3 reports. You should get all 3 because sometimes something is on 1 and not the other.

CJandJen Posted: Feb 28, 2008 02:54 PM

Re: NWR: Credit Score

i use privacyguard.com and check my score every couple of months. i know i pay 12.95 for it a month, not sure if there is an option to just run the credit check once.

mrsdraskin2009 Posted: Feb 28, 2008 02:58 PM

Re: NWR: Credit Score

i can check mine any time with my wamu platinum cc.

SusiBtoM Posted: Feb 28, 2008 03:01 PM

Re: NWR: Credit Score

Posted by rahana316

The three credit bureas that pretty much have your life in your hands it Equifax, Transunion and Experian.

If you go to www.ftc.gov, they will explain to you how to obtain all 3 reports. You should get all 3 because sometimes something is on 1 and not the other.

Definitely do this once a year, it is worth any amount that they charge.
First time I did this I found a lot of discrepancies, charge accounts listed as open when I had closed them, some stores long gone, my mortgage listed as revolving credit instead of real estate.
The most disturbing thing was my sister's name popped up on my report. We have similar names, and the first 5 digits of our SS number is identical.
A couple of letters, and all this was straightened out.

MrsJ08 Posted: Feb 28, 2008 03:22 PM

Re: NWR: Credit Score

Not sure if you know but, for those who check their credit report frequently DON'T ...it actually lowers your score. My FBIL is a mortgage loaner and informed me not to, he said it drops down to a couple of points, don't know why! Just be aware

FutureMrs.T Posted: Feb 28, 2008 03:25 PM

Re: NWR: Credit Score

Posted by FutureMrsJ08

Not sure if you know but, for those who check their credit report frequently DON'T ...it actually lowers your score. My FBIL is a mortgage loaner and informed me not to, he said it drops down to a couple of points, don't know why! Just be aware

I check my credit score once a month to monitor it and it has only gone up, it has never gone down.

TrueLoveIn2008 Posted: Feb 28, 2008 03:29 PM

Re: NWR: Credit Score

The score used by banks, mortgage companies, etc is your FICO score. Go to myfico.com and get it - it's $16. According to Suze Orman, this is the only one worth paying for since it's the one used by anyone you are trying to get money, etc from.

Can you tell I am reading a Suze Orman book now?

TrueLoveIn2008 Posted: Feb 28, 2008 03:32 PM

Re: NWR: Credit Score

Posted by FutureMrs.T

Posted by FutureMrsJ08

Not sure if you know but, for those who check their credit report frequently DON'T ...it actually lowers your score. My FBIL is a mortgage loaner and informed me not to, he said it drops down to a couple of points, don't know why! Just be aware

I check my credit score once a month to monitor it and it has only gone up, it has never gone down.

Checking your own *score* does not make your credit score go down. It's called a soft inquiry or something like that, and it doesn't affect your credit. Getting reports once a month may - but again, since it's the consumer checking their own report, it may not.

MrsJ08 Posted: Feb 28, 2008 03:53 PM

Re: NWR: Credit Score

Oops!! lol he kept telling me don't always check it, I guess he meant getting reports? Thanks!!

beram63 Posted: Feb 28, 2008 04:28 PM

Re: NWR: Credit Score

Posted by lizzzie35

Posted by emomma17

did you have to sing up for the 30 day trial though and pay a fee?

I don't remember I don't think I had to pay anything though...

you only pay if you forget to cancel the trial membership

like i did

missexcited Posted: Feb 28, 2008 05:50 PM

Re: NWR: Credit Score

Posted by skinny237

Posted by emomma17

did you have to sing up for the 30 day trial though and pay a fee?

Yes, but for me it was worth it bc I really wanted to keep an eye out and see how my credit was getting better.

U can also go to experian.com (one of the credit reporting agencies) and get a free credit report. U r entitled to 1 per year, by law.

Go with freecreditreport.com
It is so worth it. I pay $12 per month and they track my score. I caught a screw up made by my credit card one day because they sent me an alert