Credit Card Center Advertiser Disclosure

Posts: 76
Registered: ‎06-27-2013
0 Kudos

Whats the best way to get my credit reports and scores ?

[ Edited ]

Hi,i got my free credit reports months back from and i'm now wanting to get up to date reports..I tried calling the 3 major CAs to get them direct from them but none of them had a option to let me speak to customer support unless i had gotten a report within the last 90 days..So whats the best way to go about getting up to date reports..I know i will have to pay some sort of fee to get them but i was hoping the fees won't be to high because i'm kinda tight on funds..i was told to get them direct from each CA and i thought i could call and get them but i guess not...I know i can get them here at myFico but the fee is kinda high or at least it is to me at this time...Any advice ?

Starting Fico scores 6/29/1013
Experian 584 / Equifax 639 / TransUnion 598
Epic Contributor
Posts: 22,398
Registered: ‎01-17-2008
0 Kudos

Re: Whats the best way to get my credit reports and scores ?

The best place for the most accurate and detailed reports is directly from the CRAs.  Not sure how much just the report would be from each.


There are credit monitoring services that include all three but each of those only allow so many pulls. 


There is a stick for CMS on the forums.

Senior Contributor
Posts: 8,517
Registered: ‎06-05-2013
0 Kudos

Re: Whats the best way to get my credit reports and scores ?

You can definitely get them directly from the CRA's.  You're probably just calling the wrong numbers to order your reports.  A CMS might make more sense if you know you're going to be checking your reports and scores often.  As mentioned above, there's a CMS guide that you can refer to.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.