Financing in Atlanta>Question Details

Andrew Wilki…, Trulia Community Manager in San Francisco, CA

What is the best website to check your credit score?

Asked by Andrew Wilkinson, San Francisco, CA Wed Feb 29, 2012

Help the community by answering this question:

Answers

12
Irina Karan’s answer
Hello Andrew,

You can either check your credit with the mortgage company (ask for all 3 scores, because each credit bureau reports differently), or, you can use mentioned before http://www.annualcreditreport.com - which will charge you for each score, but it is reliable in terms of personal info handling.

There are a lot of things that can be done to improve credit scores:
http://www.bankrate.com/finance/credit-debt/tips-for-boostin…

One, most useful, is to have your used credit to available credit ratio below 30% on each credit line.
Another one - not to close your credit lines, and continue using paid off credit cards - or the credit line will be closed, reducing your available credit amount - and giving your worse scores.

Irina Karan
Beachfront Realty, Inc.
IrinaKaran@gmail.com
4 votes Thank Flag Link Tue Apr 24, 2012
Due to the passage of the 2003 Fair and Accurate Credit Transaction Act (FACTA), all Americans are entitled to one free credit report from each of the three major credit reporting agencies -- Equifax, Experian and TransUnion -- upon request every 12 months. visit http://www.AnnualCreditReport.com

Best Regards,

Adrian Provost
2 votes Thank Flag Link Thu Mar 1, 2012
There is no best site to check your score especially if you are applying for a mortgage. The score you get won't match the score a lender pulls so don't waste your time or money. Just go apply fro a mortgage and they will tell you what your score is. Loan officers don't bite, just go see one.
Web Reference: http://HARP2Info.Org
1 vote Thank Flag Link Thu Mar 1, 2012
It is important to note that different industries use different credit scoring models. Just because you obtain a credit score online does not mean it is going to be the same one that we would pull as a mortgage company inquiry.
Web Reference: http://www.rodneymason.com
1 vote Thank Flag Link Thu Mar 1, 2012
I have always used wwwAnnualCreditReport.Com. I take my time to go through the details provided. But, it is always better to use a lender.
0 votes Thank Flag Link Thu Mar 1, 2012
The best place check credit is with a lender, you will recieve accurate credit scores, most lender will charge a small fee.or creditscore.com
0 votes Thank Flag Link Thu Mar 1, 2012
Aside from the 3 credit reporting agencies, http://www.quizzle.com, provides a FREE report and analytical charts. No Fees, no sign ups for future billing, etc.
Web Reference: http://www.quizzle.com
0 votes Thank Flag Link Thu Mar 1, 2012
Is this a psychological study of how many responses you can get from the most basic of questions that you surely must already know that answer? Andrew, thanks for the opportunity to earn my points. Does answering silly staff questions qualify for answering a question?

http://www.FREECREDITREPORT.com
0 votes Thank Flag Link Thu Mar 1, 2012
Actually you are entitled to a free credit report once a year for each of the 3 credit reporting companies.
Go to: https://www.annualcreditreport.com/cra/index.jsp to get them.

These reports, however, do not include your credit score. When you order the report they will ask you if you want your credit score as well and charge you for that. Usually under $20.

Another alternative to to go to the source at MYFICO:

https://www.myfico.com/Store/Cart.aspx

You can get credit scores for 2 companies for free by signing up for the monthly service on a trail , but you must cancel before 10 days or be billed.

Your score may vary a little between companies, but if you buy one it will give you a good idea of where you stand.

The MYFICO website is the ultimate source for understanding credit scores and credit scoring information.
0 votes Thank Flag Link Wed Feb 29, 2012
You may obtain your credit file from each of the three agencies once per year for free. Your FICO score will not be provided with your free reports. Your score will be provided if you sign up for credit monitoring for a monthly charge. You will have a given number of days to cancel the monitoring service after you receive your FICO scores. Some sites will provide a credit file score but it is not a FICO score. Be careful of the free sites that offer a credit score they are selling a service.....for a monthly charge. As for calling your local lender you will need to actually make application for a loan to have your credit report run and see your scores. Use the link below to obtain your free credit report.
0 votes Thank Flag Link Wed Feb 29, 2012
Dustin is correct. You can get your credit score for free from the credit companies. If you have already done this, try calling your local lender and they should be able to pull your credit for you.
0 votes Thank Flag Link Wed Feb 29, 2012
Many people don't realize this, but the actual credit companies allow you to request your own credit report, FOR FREE, once a year! TransUnion, Equifax, & Experian. So if you time your request right, you can actually get your credit report 3 times a year! Just space our your request from each company appropriately and you should be good to go!
0 votes Thank Flag Link Wed Feb 29, 2012
Search Advice
Ask our community a question
Email me when…

Learn more

Copyright © 2014 Trulia, Inc. All rights reserved.   |  
Have a question? Visit our Help Center to find the answer