topic free transunion report in General Credit Topics

free transunion report

Anonymous — Mon, 10 Dec 2007 10:30:18 GMT

Got it from another board. You get a free report without using a credit card. From what i can tell so far its accurate and better than some of the one's u actually have to pay. I hope this is not breaking the forum rules and sorry if this is old news for some.

https://www.credit.com/r/reportcard

A+ Payment History - 35% of your score You've done an excellent job paying your bills on time over the years. This has helped your credit score significantly. Learn about your grade Take action

A Debt Usage - 30% of your score Great job keeping your debt under control! Low balances and high limits are giving your credit score a boost. Learn about your grade Take action

B Credit Age - 15% of your score It doesn't look like you've had credit very long. Leaving accounts open for more than 7 years can help boost your score.

C- Account Mix - 10% of your score Your credit score could improve if you had a better balance of credit and loan accounts on your credit report.

F Inquiries - 10% of your score You have too many applications for new accounts recorded on your report. This is damaging your credit score. Learn about your grade

Re: free transunion report

Anonymous — Mon, 10 Dec 2007 14:09:31 GMT

Very accurate- all accounts put in the right spots,
I got 3 A+'s

Nice link.

Re: free transunion report

Anonymous — Mon, 10 Dec 2007 14:12:40 GMT

myFICO should have no problem with this as credit.com has registered links to myFICO.com

https://www.myfico.com/SystemAccess/Login.aspx?lpid=CREDIT1

Re: free transunion report

atldragon — Mon, 10 Dec 2007 14:52:54 GMT

Surely didnt let me bypass the credit card info. What am I doing wrong?

Re: free transunion report

Anonymous — Mon, 10 Dec 2007 15:01:15 GMT

Copy and paste this link

https://www.credit.com/r/reportcard

Did mine and DW's no problem.

@atldragon wrote:
Surely didnt let me bypass the credit card info. What am I doing wrong?

Re: free transunion report

Anonymous — Mon, 10 Dec 2007 17:37:55 GMT

Do you think at is only pulling from TU or is it pulling all 3 through TU? Interesting that is says one of the tips is to not apply for store financing, becaus it may lower your score?

Re: free transunion report

Anonymous — Mon, 10 Dec 2007 17:43:13 GMT

TU Only

@Anonymous wrote:
Do you think at is only pulling from TU or is it pulling all 3 through TU? Interesting that is says one of the tips is to not apply for store financing, becaus it may lower your score?

Re: free transunion report

fused — Mon, 10 Dec 2007 20:24:14 GMT

How often can you yank your report and scores from this site for free?

Re: free transunion report

Anonymous — Mon, 10 Dec 2007 22:32:12 GMT

ANYONE KNOW IF THEY ARE GIVING FICO or FAKO?

657-687

NOT COMPLAINING AT ALL!

It tells me my credit needs to age - well, I already knew that (a D); and yes, my util is up this month (C+) but 2 accounts aren't on my report with less than 10% util and another 1150 of available credit; Payment History gets an A+ (I really DO pay my bills!); account mix C- (no mortgage); and INQ a B (one on TU in July 2007)

I'd get an F in INQ if it used EQ (that is why I opted-out & joined SleighCenter) and REFUSE to get any more accounts until at leat Oct 15, 2008! Everything I have now pulls EQ so I am sunk even for CLIs unless they 'give it'.

Message Edited by Lady_Scarlet on 12-10-2007 05:31 PM

Message Edited by Lady_Scarlet on 12-10-2007 05:32 PM

Re: free transunion report

fused — Mon, 10 Dec 2007 22:36:23 GMT

They gave me a scoring range of 779-809 which would be in line with my TU FAKO. My TU FICO is 769.

A+ for payment history

A+ usage/util

A credit history

B credit mix

B new credit

Message Edited by fused on 12-10-2007 12:36 PM

Re: free transunion report

MidnightVoice — Mon, 10 Dec 2007 22:41:04 GMT

fused wrote:
They gave me a scoring range of 779-809 which would be in line with my TU FAKO. My TU FICO is 769.

A+ for payment history
A+ usage/util
A   credit history
B   credit mix
B  new credit

Message Edited by fused on 12-10-2007 12:36 PM

My was very similar to my TU FICO, and much higher than my TU FAKO. All my FAKOs are very low (40 points or so)

A+ for payment history

A+ usage/util

A credit history

A+ credit mix

A= new credit

Message Edited by MidnightVoice on 12-10-2007 04:41 PM

Re: free transunion report

Anonymous — Mon, 10 Dec 2007 23:00:08 GMT

Credit Score Range: AccuMatch™:

683-713

Learn more about your credit score

This is about right for TU, my FICO was 700 last I checked. So, 700 is 'fair'?

Re: free transunion report

MidnightVoice — Mon, 10 Dec 2007 23:03:00 GMT

Anderson wrote:
Credit Score Range: AccuMatch™:
683-713
Learn more about your credit score

This is about right for TU, my FICO was 700 last I checked. So, 700 is 'fair'?

They require over 800 for excellent

And I like "No Credit" spot on the bar

Re: free transunion report

Anonymous — Mon, 10 Dec 2007 23:12:02 GMT

MidnightVoice wrote:

They require over 800 for excellent

And I like "No Credit" spot on the bar

Well you're pretty close to 'excellent' while I'm one step away from 'No Credit'. Yikes!

Message Edited by Anderson on 12-10-2007 06:12 PM

Re: free transunion report

Anonymous — Tue, 11 Dec 2007 16:15:40 GMT

TU hates me. This is depressing. *sob* not to mention embarrassing.

Credit Score Range:
AccuMatch™: 645-675

F - Payment History
A - Debt Usage
C - Credit Age
B - Account Mix
C - Inquires

I9, thanks so much for posting the link. I've saved it to my favs. Very useful info, plus very good analysis, imo.

P.S. I fully understand why the "F". 28 late pays(all 30 days), plus one fatal baddie in public records. Looks like only age will help.....and I have PLEANTY of age. LOL.

Message Edited by Sylviatob on 12-11-2007 08:15 AM

Message Edited by Sylviatob on 12-11-2007 08:15 AM

Re: free transunion report

Anonymous — Tue, 18 Dec 2007 17:29:13 GMT

Sylviatob wrote:
TU hates me. This is depressing. *sob* not to mention embarrassing.

Credit Score Range:
AccuMatch™: 645-675

F - Payment History
A - Debt Usage
C - Credit Age
B - Account Mix
C - Inquires

Neener-neener-neener. TU hates me more.

632-662

I'm bad! You know it!

A+ : Payment History (with 3 paid COs? You gotta be sh*ttin' me?!)

C+ : Debt usage

B : Credit age (that will change if I luck out with Oasis, like DW did)

A+ : Account mix

D : Inquiries (5 is too many? Oh well, that sorta thing I find to be, umm, ah, er, fluid.)