Where to check all 3 CR for cheap?

[nukelierninja]

What are some places that you are able to check your real CR for cheap if not free? Looking to obtain a few new cards and want to see where I stand on all 3. Looking to either have a cheap monthy subscription to all 3 (like 10$ max?) Or just a one time deal. Anyone have any thoughts?

[kshurika]

Well, I guess I'll pipe up first. Go to creditchecktotal.com and sign up for their one-week trial membership for $1. You will get all three current CRA scores for that cost. You HAVE to remember to cancel your membership sometime within the seven days, or they will try to charge you $29.95 for the next month. It has been said here on the forums that you actually can cancel within 9 or 10 days or so, however, when I tried to do it after 8, they tried to charge me.

Another common suggestion is that you purchase a $25 AMEX card at a drugstore and use it to register for CCT. If you forget to cancel on time and they try to run your card, there won't be enough balance on it for them to get the charge through.

After your membership is cancelled, you can sign up again for the $1, one-week trial membership. Many people on here have done it dozens and dozens of times.

[Anonymous]

Two other tools to have in your back pocket are:

*  Credit Karma.  This gives you your TU and EQ report as often as once a week.

*  Creditscore.com.  This gives you your EX report and a FICO 8 score once per month.

Both are free.

[nukelierninja]

I have the credit karma and Experian's own mobile app to get the 3 sp kinda scores but wanted something to make sure my scores are what I think they are. Thanks for the website to get those for a 1$ free trial. Just one question, you referenced that after u cancel you can do the free trial again? And again?.... etc... just wanted to clear that up cause that would be amazing!!

[Anonymous]

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@nukelierninja wrote:
I have the credit karma and Experian's own mobile app to get the 3 sp kinda scores but wanted something to make sure my scores are what I think they are. Thanks for the website to get those for a 1$ free trial. Just one question, you referenced that after u cancel you can do the free trial again? And again?.... etc... just wanted to clear that up cause that would be amazing!!

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You can do this with Credit Check Total (CCT). I have done so multiple times.

I would not trust Credit Karma's scores because they are calculated using Vantage Score 3.0, which is not used by any major lender. 

Discover offers a free Fico score (from on bureau) to anyone. If you have a Synchrony Bank-backed credit card, you can also get a free Fico score (from one bureau).

[Anonymous]

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@nukelierninjaJust one question, you referenced that after u cancel you can do the free trial again? And again?.... etc... just wanted to clear that up cause that would be amazing!!

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That's 100% correct.  I'm somewhere around 50 trials in at this point and have had no issues at all.

[ScoreSizzle]

Just did creditchecktotal.com today for $1 and cancelled 30 minutes after I signed up... wanted to see my real scores. 

It's easy. You'll like it. 

[Anonymous]

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@Anonymous wrote:

I would not trust Credit Karma's scores because they are calculated using Vantage Score 3.0, which is not used by any major lender. 

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Yep that's true.

On the other hand, what the the OP originally asked for is a way to check all three credit reports for free.  It's morphed now into a discussion of where he can get scores for free but he originally asked about reports.

Karma's reports are fine and should really be a tool in anyone's hip pocket.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I would not trust Credit Karma's scores because they are calculated using Vantage Score 3.0, which is not used by any major lender. 

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Yep that's true.

On the other hand, what the the OP originally asked for is a way to check all three credit reports for free.  It's morphed now into a discussion of where he can get scores for free but he originally asked about reports.

Karma's reports are fine and should really be a tool in anyone's hip pocket.

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For sure. I just did not want the OP to take CK's scores as the infaliable measurement of their credit. I personally think CK can be great for pointing out any inaccuracies for free.

[Anonymous]

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@ScoreSizzle wrote:

Just did creditchecktotal.com today for $1 and cancelled 30 minutes after I signed up... wanted to see my real scores. 

It's easy. You'll like it. 

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OP, you get everything for $1, but keep in mind that the $1 is good for 7 days.