free transunion report

[Anonymous]

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

[Anonymous]

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

Nice link.

[Anonymous]

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

[atldragon]

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

[Anonymous]

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?

---

[Anonymous]

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?

[Anonymous]

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?

---

[fused]

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

[Anonymous]

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

[fused]

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