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SantaMar
Posts: 83
Registered: ‎03-04-2012

Free credit report once a year?!

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‎02-24-2013 07:35 PM

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
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VWTUNER
Posts: 75
Registered: ‎11-12-2012

Re: Free credit report once a year?!

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‎02-24-2013 07:37 PM

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 :smileyhappy:
Gardening since 12/20/2012
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Mega Contributor
LS2982
Posts: 15,093
Registered: ‎04-09-2011

Re: Free credit report once a year?!

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‎02-24-2013 07:39 PM

The walmart card only provides the FICO score no report.


Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 684 / EQ FICO 664 / TU08 FICO 687 / TU98 FICO 672 / TU VS 711 6/16/2013
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VWTUNER
Posts: 75
Registered: ‎11-12-2012

Re: Free credit report once a year?!

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‎02-24-2013 07:42 PM

I meant score.
current cards
WM store
Cap1 platinum
WF secured
Amazon Chase :smileyhappy:
Gardening since 12/20/2012
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Established Contributor
myjourney
Posts: 5,731
Registered: ‎02-07-2013

Re: Free credit report once a year?!

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‎02-24-2013 07:42 PM

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

"Intelligence plus character--that is the goal of true education"
I will be gardening until 12/31/13 last escape 06/06/13
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Established Contributor
BearsAndTurtlesRtheBest
Posts: 1,172
Registered: ‎10-02-2012

Re: Free credit report once a year?!

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‎02-24-2013 07:55 PM

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. 

Im a 18 yr old in high school with no annual income that loves learning new things about credit. I pulled my FIRST Experian Score from Quizzle.com (on 2-9-13). Quizzle.com was the only site that was able to find my credit report, the rest required more information in order to do so since I lack public records. The cards listed are the ones I'm currently as an AU. I don't own any cards under my name since I don't have an annual income to include when applying. Im super EXCITED!! MyFico.com is awesome!!!
Macys Platinum CC (AU) $1,800- Chevron VISA (AU) $2,250- Nordstrom CC (AU) $1,000- Sears Platinum MasterCard (AU) $1,500-
Wells Fargo Platinum VISA (AU) $1,000
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Established Member
Nocturnal
Posts: 46
Registered: ‎09-29-2011

Re: Free credit report once a year?!

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‎02-24-2013 08:02 PM

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.

Gardening as of 02/24/2013
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