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Where do you get your CR from?

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sharriel
Frequent Contributor

Where do you get your CR from?

I'm just wondering where everyone gets their CR/updates from.  I currently get SW and I'm on the Equifax COmplete Advantage Plan.

 

What do you have?

5/16/13 Starting FICOEQ: 521 FICOTU: 536 FICOEX: 571
5/13/14 Current FICOEQ: 668 FICOTU: 690 FICOEX: 673
Message 1 of 10
9 REPLIES 9
cqdealer711
Frequent Contributor

Re: Where do you get your CR from?

I get my experian and equifax reports from their website using my free report File number.  Its updated daily and i can check it as often as I like.

 

I also subscribe to SW and QM from here for the scores.  

 

TU website never works for me so credit karma is a good match for that.



Starting FICO Score: 10/1/12--EQ 512 | TU 492 | EX 524
Current FICO Score: 2/22/14--EQ 705 | TU 703 | EX 716
Goal Score: 700+


Take the myFICO Fitness Challenge
Message 2 of 10
sharriel
Frequent Contributor

Re: Where do you get your CR from?

How did you get a free file report?

5/16/13 Starting FICOEQ: 521 FICOTU: 536 FICOEX: 571
5/13/14 Current FICOEQ: 668 FICOTU: 690 FICOEX: 673
Message 3 of 10
cqdealer711
Frequent Contributor

Re: Where do you get your CR from?

annualcreditreport.com

 

you can get each bureau report once a year( but you can always check it through their website if you have the file number)

 

I suggest doing it by mail and not online but all the information is on their website.

 

EDIT:  the site looks wary , but trust me its the site you are supposed to be at.



Starting FICO Score: 10/1/12--EQ 512 | TU 492 | EX 524
Current FICO Score: 2/22/14--EQ 705 | TU 703 | EX 716
Goal Score: 700+


Take the myFICO Fitness Challenge
Message 4 of 10
sharriel
Frequent Contributor

Re: Where do you get your CR from?

Hmmm...I'm confused.  I did the annualcreditreport thing but I thought you could only get that once a year?  I didn't know you could check it daily

5/16/13 Starting FICOEQ: 521 FICOTU: 536 FICOEX: 571
5/13/14 Current FICOEQ: 668 FICOTU: 690 FICOEX: 673
Message 5 of 10
cqdealer711
Frequent Contributor

Re: Where do you get your CR from?

do you have the file number? or FIN number from them?



Starting FICO Score: 10/1/12--EQ 512 | TU 492 | EX 524
Current FICO Score: 2/22/14--EQ 705 | TU 703 | EX 716
Goal Score: 700+


Take the myFICO Fitness Challenge
Message 6 of 10
Shogun
Moderator Emeritus

Re: Where do you get your CR from?


@sharriel wrote:

Hmmm...I'm confused.  I did the annualcreditreport thing but I thought you could only get that once a year?  I didn't know you could check it daily


You can't check it daily.  However, there are a few states that mandate free or discounted reports.  You will have to look at the webstie to see if you qualify.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 7 of 10
cqdealer711
Frequent Contributor

Re: Where do you get your CR from?


@Shogun wrote:

@sharriel wrote:

Hmmm...I'm confused.  I did the annualcreditreport thing but I thought you could only get that once a year?  I didn't know you could check it daily


You can't check it daily.  However, there are a few states that mandate free or discounted reports.  You will have to look at the webstie to see if you qualify.


i can check mine daily from annualcreditreport(via the Bureaus website)



Starting FICO Score: 10/1/12--EQ 512 | TU 492 | EX 524
Current FICO Score: 2/22/14--EQ 705 | TU 703 | EX 716
Goal Score: 700+


Take the myFICO Fitness Challenge
Message 8 of 10
Shogun
Moderator Emeritus

Re: Where do you get your CR from?


@cqdealer711 wrote:

@Shogun wrote:

@sharriel wrote:

Hmmm...I'm confused.  I did the annualcreditreport thing but I thought you could only get that once a year?  I didn't know you could check it daily


You can't check it daily.  However, there are a few states that mandate free or discounted reports.  You will have to look at the webstie to see if you qualify.


i can check mine daily from annualcreditreport(via the Bureaus website)


I know how you are doing it, but it's an exploit of their service and we're not allowed to talk about that here.  Smiley Happy

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 9 of 10
cqdealer711
Frequent Contributor

Re: Where do you get your CR from?


@Shogun wrote:

@cqdealer711 wrote:

@Shogun wrote:

@sharriel wrote:

Hmmm...I'm confused.  I did the annualcreditreport thing but I thought you could only get that once a year?  I didn't know you could check it daily


You can't check it daily.  However, there are a few states that mandate free or discounted reports.  You will have to look at the webstie to see if you qualify.


i can check mine daily from annualcreditreport(via the Bureaus website)


I know how you are doing it, but it's an exploit of their service and we're not allowed to talk about that here.  Smiley Happy


How is that an exploit?  It clearly has a link : "View your report again"

 

 



Starting FICO Score: 10/1/12--EQ 512 | TU 492 | EX 524
Current FICO Score: 2/22/14--EQ 705 | TU 703 | EX 716
Goal Score: 700+


Take the myFICO Fitness Challenge
Message 10 of 10
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