topic Getting a fresh credit report in General Credit Topics

Getting a fresh credit report

Anonymous — Sat, 22 Nov 2014 20:35:26 GMT

What is the best website to get all 3 reports with scores? I have already used my free annual credit report.

If I were to purchase them alone, what sites should I use because I already have a subscription for my Experian report so I guess I would only need my TU and EQ.

Re: Getting a fresh credit report

coldnmn — Sat, 22 Nov 2014 22:32:42 GMT

MyFico has the only true fico scores.

Re: Getting a fresh credit report

Anonymous — Sat, 22 Nov 2014 22:56:05 GMT

Do you know the price for a 3 in 1?

@coldnmn wrote:
MyFico has the only true fico scores.

Re: Getting a fresh credit report

coldnmn — Sun, 23 Nov 2014 00:04:49 GMT

Not cheap $59.95 I'm to cheap to buy it I go with the free Faco sites they don't have the true credit score but I can monitor my credit.

http://www.myfico.com/Products/Products.aspx

Re: Getting a fresh credit report

Anonymous — Sun, 23 Nov 2014 00:19:28 GMT

@coldnmn wrote:
Not cheap $59.95 I'm to cheap to buy it I go with the free Faco sites they don't have the true credit score but I can monitor my credit.

http://www.myfico.com/Products/Products.aspx

I will not pay that either....lol

Re: Getting a fresh credit report

Anonymous — Sun, 23 Nov 2014 05:14:01 GMT

you and get a report and a fico sore from equifax not faco score from thier web site but make sure you pay attention as they also sell faco sores the three bereau score is a faco but the equifax score watch is a real fico score I believe it is beacon 5 I do not know about transunion.

Re: Getting a fresh credit report

takeshi74 — Tue, 25 Nov 2014 13:21:30 GMT

@Anonymous wrote:
I will not pay that either....lol

You have to be willing to pay if you want the FICO's. If you can do without them (I recommend focusing on the data in your reports versus fixating on numbers anyway) there are countless sources for the reports. You can order reports only directly from the CRA's for ~$10 (varies a bit by CRA) but you'll have to dig a bit for the links on their sites as they try to push their FAKO's, monitoring, etc.

Re: Getting a fresh credit report

SunriseEarth — Wed, 26 Nov 2014 00:31:26 GMT

@Anonymous wrote:
What is the best website to get all 3 reports with scores? I have already used my free annual credit report.

If I were to purchase them alone, what sites should I use because I already have a subscription for my Experian report so I guess I would only need my TU and EQ.

As has been mentioned, myFICO would be the only place to obtain your true FICO scores. As for CRs, you can check directly with the CRAs. Certain state requirements or certain credit situations can allow you to obtain free or discounted CRs.

Credit Karma offers a free partial CR based on TU info. HPs show, but SPs do not. All other info is similar to what you'd see on an actual TU report.

Re: Getting a fresh credit report

Anonymous — Wed, 26 Nov 2014 21:52:37 GMT

Do I really need to know my scores?

Re: Getting a fresh credit report

MarineVietVet — Thu, 27 Nov 2014 17:46:53 GMT

@Anonymous wrote:
Do I really need to know my scores?

It's nice to know where you stand but unless you are planning on applying for credit anytime soon the scores don't really affect you.

JMO.