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Free credit report once a year?!

Regular Contributor

Free credit report once a year?!

I can contact each of the three credit agencies an get my report for free but how will I get my actual score?! If I pay for a service that won't count as an inquiry correct? I want to get a couple new cards but I want to calculate my applications....I want to see what the lender sees lol
Message 1 of 7
6 REPLIES
Contributor

Re: Free credit report once a year?!

Apply Wally card to get FIco 08 report. Or subscribe to score watch here and cancel before trial period is over
current cards
WM store
Cap1 platinum
WF secured
Amazon Chase Smiley Happy
Gardening since 12/20/2012
Message 2 of 7
Mega Contributor

Re: Free credit report once a year?!

The walmart card only provides the FICO score no report.



EQ FICO 548 3/3/16
Message 3 of 7
Contributor

Re: Free credit report once a year?!

I meant score.
current cards
WM store
Cap1 platinum
WF secured
Amazon Chase Smiley Happy
Gardening since 12/20/2012
Message 4 of 7
Super Contributor

Re: Free credit report once a year?!


SantaMar wrote:
I can contact each of the three credit agencies an get my report for free but how will I get my actual score?! If I pay for a service that won't count as an inquiry correct? I want to get a couple new cards but I want to calculate my applications....I want to see what the lender sees lol

Correct it will not count against you

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 5 of 7
Senior Contributor

Re: Free credit report once a year?!

My family does there score watching with Equifax.com its very easy to manage and also give you the optipn to purchase EQ FICO score. 

Message 6 of 7
New Contributor

Re: Free credit report once a year?!

I use WalMart where I get my TU FICO and then I just signed up with USAA's credit monitoring premium which gives me all three FAKO scores as well as my credit report.  It's good enough for me.

TU FICO 2/14: 701
Message 7 of 7