Requesting credit score and report from all three agencies
#1
Original Poster
Join Date: Dec 2007
Location: Virginia City Highlands
Programs: Nothing anymore after 20 years
Posts: 6,900
Requesting credit score and report from all three agencies
Last time I checked my credit report and score was 5 years ago. Then I moved to overseas, and have only three US issued credit cards with appx $2000 annual spent across all of them.
I'd like to check/order my credit score/report. Where should I do it and how much will it cost now? I remember, ordering all three last time was about $40, has anything changed since that? Is there an option to get free credit score and report from all three via banks or other agencies?
Thanks.
I'd like to check/order my credit score/report. Where should I do it and how much will it cost now? I remember, ordering all three last time was about $40, has anything changed since that? Is there an option to get free credit score and report from all three via banks or other agencies?
Thanks.
#2
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
https://www.annualcreditreport.com/index.action
#4
FlyerTalk Evangelist
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#5
Join Date: Apr 2000
Location: HNL,HI,USA
Posts: 256
Free Experian Score, updated once a month, here: https://www.freecreditscore.com/
#6
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
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Posts: 48,954
#7
Join Date: Jul 2013
Posts: 384
If you want report data and FICO 8's from all 3 then check out Credit Check Total. It's a monitoring service but you can cancel any time.
If you need other models then you'll have to specify so can make appropriate recommendations.
Never assume that all credit scores are equivalent and always consider the specific scoring model & CRA for any score as well as the relevance of a given score. Very few creditors actually use the VantageScores provided by Credit Karma or Credit Sesame in credit decisions. Most creditors use a FICO model but even FICO has many models that are not all equivalent.
Free Experian Score, updated once a month, here: https://www.freecreditscore.com/
Last edited by takeshi74; Jul 6, 2017 at 7:38 am
#8
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If you're going to spend $29/mo, I would suggest FICO Ultimate 3B from MyFICO instead of Credit Check Total. The only thing CCT is better for is a 7 day trial if you intend to immediately cancel.
#10
Original Poster
Join Date: Dec 2007
Location: Virginia City Highlands
Programs: Nothing anymore after 20 years
Posts: 6,900
Free Experian Score, updated once a month, here: https://www.freecreditscore.com/
https://creditcards.chase.com/free-c...core?CELL=68GQ
What credit score are you providing?
The score provided to you is the VantageScore® 3.0 Credit Score based on TransUnion data
The score provided to you is the VantageScore® 3.0 Credit Score based on TransUnion data
#11
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
All of the major issues now provide credit scores. As typical, Chase has done this cheaply:
American Express = Experian (FICO)
Barclays = TransUnion (FICO)
Chase = TransUnion (VantageScore)
Citi = Equifax (FICO)
Discover = Experian (FICO)
American Express = Experian (FICO)
Barclays = TransUnion (FICO)
Chase = TransUnion (VantageScore)
Citi = Equifax (FICO)
Discover = Experian (FICO)
#12
Original Poster
Join Date: Dec 2007
Location: Virginia City Highlands
Programs: Nothing anymore after 20 years
Posts: 6,900
Well, that means one should use products of above companies. I have just two Chase cards. Anyway two free reports from three is still good enough.
#13
Join Date: Jul 2013
Posts: 384
myFICO is helpful if one needs models other than FICO 8 but it does cost more.
Seems Chase offers free credit score based on TransUnion
https://creditcards.chase.com/free-c...core?CELL=68GQ
https://creditcards.chase.com/free-c...core?CELL=68GQ
Chase does provide an EX FICO 8 to Slate cardholders but you can get that from Experian or Discover ScoreCard for free and you don't have to be a Discover cardholder. Discover cardholders get a TU FICO 8.
Note that this is an EQ FICO 8 Bankcard which is not the same thing as an EQ FICO 8. They're not even on the same points scale.
If one is interested in models other than FICO 8 then FNBO provides an EX FICO 8 Bankcard, PenFed provides an EQ FICO NextGen, I think NASA provides an EX FICO 2 and there are others I can't recall off the top of my head.
Reports and scores are not the same thing. These creditors provide scores. They do not provide reports.
Don't conflate "I" and "one". There is a lot more that goes into selecting my products and creditors. A free score is gravy but not a deciding factor for me.
Last edited by takeshi74; Jul 7, 2017 at 8:09 am