topic Re: 100% FREE Credit Monitoring/ Report/ Score Websites? in General Credit Topics

100% FREE Credit Monitoring/ Report/ Score Websites?

ERoosky99 — Mon, 03 Nov 2014 16:24:41 GMT

TRANSUNION:

https://www.creditkarma.com/

https://www.wisepiggy.com/

EXPERIAN:

http://www.creditsesame.com/

http://www.credit.com/

EQUIFAX:

https://www.quizzle.com/

ALL 3 BUREAUS:

https://www.annualcreditreport.com/index.action

ARE THERE ANY SITES THAT YOU USE, AND I AM LEAVING OUT?

Re: 100% FREE Credit Monitoring/ Report/ Score Websites?

Kenny — Mon, 03 Nov 2014 17:03:34 GMT

I can't think of any others. I didn't know about WisePiggy so thanks for that!

Re: 100% FREE Credit Monitoring/ Report/ Score Websites?

ERoosky99 — Mon, 03 Nov 2014 17:50:45 GMT

@Kenny wrote:
I can't think of any others. I didn't know about WisePiggy so thanks for that!

You're welcome! If anyone else out there knows of any others, please share!

Re: 100% FREE Credit Monitoring/ Report/ Score Websites?

cjc343 — Tue, 04 Nov 2014 01:28:55 GMT

I didn't know about WisePiggy either... thanks for mentioning it.

Mint also offers a free credit score from Equifax, though you need to connect an account to get it.

Note that they also offer a separate paid service (which they try to upsell of course).

Re: 100% FREE Credit Monitoring/ Report/ Score Websites?

CreditPlay — Tue, 04 Nov 2014 14:40:05 GMT

Mint offers free EQ Vantage score (2 or 3?) every 3 months

Re: 100% FREE Credit Monitoring/ Report/ Score Websites?

ERoosky99 — Tue, 04 Nov 2014 14:54:34 GMT

@cjc343 wrote:
I didn't know about WisePiggy either... thanks for mentioning it.

Mint also offers a free credit score from Equifax, though you need to connect an account to get it.

Note that they also offer a separate paid service (which they try to upsell of course).

Sure, no problem! Thanks for mentioning Mint. I'll have to check that service out now!

Re: 100% FREE Credit Monitoring/ Report/ Score Websites?

1GaDawg85 — Tue, 04 Nov 2014 20:00:45 GMT

thanks for that list! great information to have

Re: 100% FREE Credit Monitoring/ Report/ Score Websites?

ERoosky99 — Tue, 04 Nov 2014 22:02:06 GMT

@1GaDawg85 wrote:
thanks for that list! great information to have

You're welcome!

Re: 100% FREE Credit Monitoring/ Report/ Score Websites?

Focused10 — Tue, 04 Nov 2014 22:06:12 GMT

@ERoosky99 wrote:
TRANSUNION:
https://www.creditkarma.com/
https://www.wisepiggy.com/

EXPERIAN:
http://www.creditsesame.com/
http://www.credit.com/

EQUIFAX:
https://www.quizzle.com/

ALL 3 BUREAUS:
https://www.annualcreditreport.com/index.action

ARE THERE ANY SITES THAT YOU USE, AND I AM LEAVING OUT?

Great! Thaks for sharing!

That's why I love these forums!

Re: 100% FREE Credit Monitoring/ Report/ Score Websites?

ERoosky99 — Tue, 04 Nov 2014 22:33:33 GMT

@CreditPlay wrote:
Mint offers free EQ Vantage score (2 or 3?) every 3 months

How do you elect the free option of the service? Do you have a link?

Re: 100% FREE Credit Monitoring/ Report/ Score Websites?

ERoosky99 — Tue, 04 Nov 2014 22:34:25 GMT

Great! Thaks for sharing!

That's why I love these forums!

Me too!

Re: 100% FREE Credit Monitoring/ Report/ Score Websites?

cjc343 — Wed, 05 Nov 2014 01:20:23 GMT

@ERoosky99 wrote:
@CreditPlay wrote:
Mint offers free EQ Vantage score (2 or 3?) every 3 months
How do you elect the free option of the service? Do you have a link?

Eventually, the link is https://wwws.mint.com/creditreport.event

First, you need to register for a regular Mint account (not for Mint credit monitor). After registering, you're prompted to connect an account. You need to connect at least 1 account to get the free score as you otherwise cannot make it past the 'welcome' screen. Once you've connected an account, the option should appear on the dashboard.

Personally, I'm not interested in actually using Mint since I have no interest in providing them with all my bank passwords. I connected a CapOne 360 account because it:

1. Is not my primary bank account.

2. Does not require that I enter the account password.

3. Allows me to easily revoke access without changing passwords.

4. Has the weakest password due to CapOne 360's password limitations

Re: 100% FREE Credit Monitoring/ Report/ Score Websites?

ERoosky99 — Wed, 05 Nov 2014 05:01:36 GMT

@cjc343 wrote:
@ERoosky99 wrote:
@CreditPlay wrote:
Mint offers free EQ Vantage score (2 or 3?) every 3 months
How do you elect the free option of the service? Do you have a link?
Eventually, the link is https://wwws.mint.com/creditreport.event

First, you need to register for a regular Mint account (not for Mint credit monitor). After registering, you're prompted to connect an account. You need to connect at least 1 account to get the free score as you otherwise cannot make it past the 'welcome' screen. Once you've connected an account, the option should appear on the dashboard.

Personally, I'm not interested in actually using Mint since I have no interest in providing them with all my bank passwords. I connected a CapOne 360 account because it:

1. Is not my primary bank account.
2. Does not require that I enter the account password.
3. Allows me to easily revoke access without changing passwords.
4. Has the weakest password due to CapOne 360's password limitations

I just enrolled. Many thanks!

Re: 100% FREE Credit Monitoring/ Report/ Score Websites?

Anonymous — Thu, 06 Nov 2014 22:24:57 GMT

Thanks for all the info; out of pure morbid curiousity I signed up for all of these sites to compare my scores, and...

JEEZ! Every single one of these sites is grading me at a much harsher level than the Fico score model. If this is really how my credit scores look, then I might as well give up! One of them (I think Bezzle) graded me at under 570 score!

I'm assuming these are all FAKO scores and essentially don't hold any weight in the majority of credit card applications?

Re: 100% FREE Credit Monitoring/ Report/ Score Websites?

Anomalous — Thu, 06 Nov 2014 22:56:59 GMT

Thanks for sharing!

Re: 100% FREE Credit Monitoring/ Report/ Score Websites?

Anonymous — Fri, 07 Nov 2014 01:47:48 GMT

@Anonymous wrote:
Thanks for all the info; out of pure morbid curiousity I signed up for all of these sites to compare my scores, and...

JEEZ! Every single one of these sites is grading me at a much harsher level than the Fico score model. If this is really how my credit scores look, then I might as well give up! One of them (I think Bezzle) graded me at under 570 score!

I'm assuming these are all FAKO scores and essentially don't hold any weight in the majority of credit card applications?

Those sites serve a purpose but the overwhelming majority of lenders use Fico scores so I wouldn't worry too much

Re: 100% FREE Credit Monitoring/ Report/ Score Websites?

ERoosky99 — Fri, 07 Nov 2014 03:19:18 GMT

@Anonymous wrote:
Thanks for all the info; out of pure morbid curiousity I signed up for all of these sites to compare my scores, and...

JEEZ! Every single one of these sites is grading me at a much harsher level than the Fico score model. If this is really how my credit scores look, then I might as well give up! One of them (I think Bezzle) graded me at under 570 score!

I'm assuming these are all FAKO scores and essentially don't hold any weight in the majority of credit card applications?

@Anonymous @ "Bezzle!" I'm assuming you're referring to Quizzle. Don't focus primarily on these FAKO scores. They are for "educational purposes only." What I do like about these sites is that the will monitor information on your credit profile, and in my experience they often report quicker then myFiCO service (which has a monthly fee). It's a nice tool for assessing the info on your credit reports . . . And it's FREE!

Re: 100% FREE Credit Monitoring/ Report/ Score Websites?

ERoosky99 — Fri, 07 Nov 2014 03:21:54 GMT

@Anomalous wrote:
Thanks for sharing!

Welcome!

Re: 100% FREE Credit Monitoring/ Report/ Score Websites?

Imhotrodcrazy — Fri, 07 Nov 2014 19:11:45 GMT

Mine happens to be very close at 821.

Re: 100% FREE Credit Monitoring/ Report/ Score Websites?

yoda42 — Mon, 10 Nov 2014 01:23:30 GMT

Lending tree also offers a TU based score - it is idifferent from what I see on CK/WisePiggy

https://www.lendingtree.com/ and select the credit score option.