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. |
Originally Posted by invisible
(Post 28522729)
Is there an option to get free credit score and report from all three via banks or other agencies?
https://www.annualcreditreport.com/index.action |
Thanks.
What are channels to obtain scores? Anything has changed in last 5 years? |
Originally Posted by invisible
(Post 28525130)
Thanks.
What are channels to obtain scores? Anything has changed in last 5 years? |
Free Experian Score, updated once a month, here: https://www.freecreditscore.com/
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Originally Posted by philemer
(Post 28525158)
creditkarma and creditsesame will show free credit scores.
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Originally Posted by invisible
(Post 28522729)
Is there an option to get free credit score and report from all three via banks or other agencies?
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.
Originally Posted by philemer
(Post 28525158)
creditkarma and creditsesame will show free credit scores.
Originally Posted by hi-guy
(Post 28525357)
Free Experian Score, updated once a month, here: https://www.freecreditscore.com/
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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.
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Originally Posted by javabytes
(Post 28528692)
If you're going to spend $29/mo
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Originally Posted by hi-guy
(Post 28525357)
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 VantageScoreŽ 3.0 Credit Score based on TransUnion data |
Originally Posted by invisible
(Post 28529318)
Seems Chase offers free credit score ...
American Express = Experian (FICO) Barclays = TransUnion (FICO) Chase = TransUnion (VantageScore) Citi = Equifax (FICO) Discover = Experian (FICO) |
:(
Originally Posted by mia
(Post 28530615)
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) |
Originally Posted by javabytes
(Post 28528692)
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.
myFICO is helpful if one needs models other than FICO 8 but it does cost more.
Originally Posted by invisible
(Post 28529318)
Seems Chase offers free credit score based on TransUnion
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.
Originally Posted by mia
(Post 28530615)
Citi = Equifax (FICO)
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.
Originally Posted by invisible
(Post 28530697)
Anyway two free reports from three is still good enough.
Originally Posted by invisible
(Post 28530697)
Well, that means one should use products of above companies.
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