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  1. #1
    Join Date
    Nov 2005
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    Safest Way To Get A Free Credit Report?

    So, I was browsing around, most ‘free’ ones are a subscription that you then have to cancel. I found one that looked legit, but when it was asking for all of my info (DOB, SSN, etc) I got spooked. How do I know what’s legit?
    This one ‘looks’ the part, but I just don’t know.


    https://www.annualcreditreport.com/r...estForm.action
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  2. #2
    Join Date
    Jan 2005
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    cb, co
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  3. #3
    Join Date
    Mar 2008
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    the ham
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    annualcreditreport dot com is legit. I use it every year.

    https://www.consumer.ftc.gov/article...credit-reports

  4. #4
    Join Date
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    Hung, it gave me a free credit overview which was excellent, but it looks like I have to pay for a Fico score?
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  5. #5
    Join Date
    Mar 2008
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    Aloft
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    3,537
    All my credit cards give me my FICO or credit score for free. My bank (wells fargo) also gives me my FICO score with my checking account. Login and check.

  6. #6
    Join Date
    Mar 2008
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    the ham
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    I use my bank accounts / credit cards for free credit scores that may/may not be actual fico.

    You could probably do a free trial with FICO to get a real score, but they're all going to be close enough to each other that I'm not sure it matters.

  7. #7
    Join Date
    Mar 2008
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    Quote Originally Posted by Ted Striker View Post
    I use my bank accounts / credit cards for free credit scores.

    You could probably do a free trial with FICO to get a real score.
    Is there much discrepancy between them? I assume through FICO it would be up to date at that moment and through the other institutions there may be a lag. But if it hasnt changed over a few months, wouldn't it be the same? I've never thought to double check.

  8. #8
    Join Date
    Mar 2008
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    the ham
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    I don't think there is unless you have an issue. I used to obsess over it because I was doing things like applying for cards/bank accounts for the free money, then canceling at some point in the future, and doing it all over again. (there used to be a site called the fat wallet forums that was the tgr of that kind of stuff) At some point my regular income got high enough that it seemed silly, so I stopped, and my score doesn't really bounce around anymore.

    Anyway, my strategy was to pull a full report through annualcreditreport every three months (alternating between the three bureaus), and check my various scores monthly. As a general rule, the "hard pull" from opening a credit card only showed up with whichever one bureau that company used.

  9. #9
    Join Date
    Nov 2005
    Location
    Land of Brine Shrimp and Magic Underwear
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    6,109
    I get multiple different free credit reports and FICOs every month from my bank and credit card companies, and from Turbo Tax too. Tap into some of those. For better or worse, I bank with Wells Fargo. My BOA card gives me a report monthly too. They all vary a bit, like up to 30 points but that's pretty much the difference you'll see between the big three reporting agencies anyway. Most of them indicate when there have been inquiries and debt:income ratio within 90 days or so. Doesn't really matter much to me lately because of course anything over 800 is gravy but it's good to know.
    There's nothing better than sliding down snow... flying through the air.

  10. #10
    Join Date
    Nov 2005
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    Down In A Hole, Up in the Sky
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    Yeah, i *think* i am over 830, but i woyld love know for sure...

  11. #11
    Join Date
    Aug 2007
    Location
    At the beach
    Posts
    13,641
    If your 760+ you get the best terms so don't sweat it.
    Quote Originally Posted by leroy jenkins View Post
    I think you'd have an easier time understanding people if you remembered that 80% of them are fucking morons.
    That is why I like dogs, more than most people.

  12. #12
    Join Date
    Feb 2018
    Posts
    193
    Credit karma is free and gives monitoring. Not exact score but they use the same formulas. It's within a few points.

    Sent from my Pixel 2 XL using Tapatalk

  13. #13
    Join Date
    Jun 2020
    Location
    in a freezer in Italy
    Posts
    458
    Capital One Bank offers Creditwise but it's free for anyone apparently: https://creditwise.capitalone.com/home

    It's bundled with my bank account and I use it pretty often. Simple to use and seems accurate as far as I can tell. https://creditwise.capitalone.com/home

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