General Credit Topics

[PrimeSeeker]

If you can't afford to get your FICO, you can get a FREE estimate at the following location:

http://www.myfico.com/ficocreditscoreestimator/?AID=10436269&PID=2336164

It technically can be used to estimate your FICO with any of the CAs, because you manually enter your TL highlights. I use it to estimate my Experian, since I can no longer get it directly.

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llecs wrote:
Unfortunately, the scores aren't free. The only place where you can pull EQ and TU scores (w/ reports) together is via this website. Unfortunately, EX no longer allows consumers to pull their own FICO score.

Once in a very blue moon, FICO promotions run out there for a free score only for EQ. You'll here about it on here when that happens.

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[joestay]

So, I order an EX report for free in June of last year and this year, I order it again for free in April.  That's less than 12 months.  Is this okay or will they charge me or something?

[Jazzzy]

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joestay wrote:

So, I order an EX report for free in June of last year and this year, I order it again for free in April.  That's less than 12 months.  Is this okay or will they charge me or something?

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Was this through www.annualcreditreport.com?

Did they ask you for a credit card number?

[joestay]

yeah, it was through annualcreditreport.com.  They didn't ask for my credit card.

[joestay]

what will happen if I request my credit report again from annualcreditreport.com?  Will they offer an option to pay?

[Jazzzy]

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joestay wrote:

what will happen if I request my credit report again from annualcreditreport.com?  Will they offer an option to pay?

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I haven't tried, but I assume you'll get a notice that you can't get another free one yet...and I'm sure they will give you an option to pay. Remember that you get a free one from each of the three credit bureaus.

[joestay]

I tried to get the free one from TU but was never able to actually get it due to verification problems online.  If I can't get it online, can I tried again within 12 month and still get it for free?

[Jazzzy]

I would call TU and find out what the problem is with getting it. I hate to see anybody give up a free report.

You can get a free copy of your Experian report from Quizzle every 6 months. I get my free reports and then ignore the rest of what they try to sell me.

[joestay]

The problem is that they can't come up with enough questions to verify my identity base on info in my credit report.

[happy0510]

Just paid EX $8 to file a dispute!! Arghhh