Credit Karma for TU, Credit Sesame for EX and myfico for EQ.
My TU report is the one that updates the most quickly, EX trails a little bit and EQ is even further.
And about home prices, OMG in my area they are rising like crazy. The house we are building we could no longer afford if we put in a contract to build right now. When we close, we are looking at about 140k in equity. We only put 20k down. It is just insane. Prices are rising faster then I can save.
What area? The big increases are in the places that fell the most, and there will still be a lot of opportunities in those places. New construction may have a little bit different dynamic because of scarcity.
I am in the DFW area, Dallas TX.
We were not hit hard at all when the market crashed. I bought my first house in 2004 and after 2008 prices just kind of stood still. When we sold our home in 2012 we made a pretty good profit.
Prices here in the Dallas area are still what I would consider cheap. I am from San Jose California. Back home in CA, prices are still recovering but it is getting crazy once again. My sister put in a offer on a home in CA a couple weeks ago for 20k over the asking price and was rejected.
Dallas and Houston (I was there till end of 2007) never rocketed up so didn't fall, just marked time. In Houston there's still so much land (and no zoning) new homes compete with pre-owned homes.
Here in Baltimore there's some price appreciation (2 or 3%) because of spillover from the return of craziness in DC and Northern Virginia.
The killer to affordability is more likely to be interest rates than home prices. That's why I'm glad I have 30 years fixed at 2.92%...