Comments on: How To Get A Free FICO Credit Score

By: Christine

Christine — Thu, 12 Nov 2009 19:23:59 +0000

Just signed up at Credit Karma, thanks for the tip!!

By: Julie

Julie — Sat, 07 Nov 2009 03:43:28 +0000

I feel like I am credit crazy at the moment. My husband and I are trying to purchase our first home. My Fico score is now my drug. I am looking for new ways to get it. Get it updated and make it better. I keep going over the formulas in my head?? I think the whole credit industry is meant to drive you nuts. As crazy as they are, I know that I have to meet the magic number to get reasonable financing. Is anyone else this crazy over the whole credit scene?

By: Kevin

Kevin — Thu, 10 Sep 2009 18:18:04 +0000

I don’t care what my credit/FICO score is I pay cash for everything. The credit card companies suck.

By: Jaime

Jaime — Mon, 13 Jul 2009 17:49:16 +0000

I found this site because I was looking for a little better info on my credit score. I use a site called creditkeeper it costs $10.00 a month and monitors all 3 bureaus. I am new to the credit world at 32 since I always used cash growing up in the restaurant biz. I have to say monitoring my credit can make me crazy I had a mis-charge on a card and it put me over my limit by $7, it also dropped my credit score by almost 40 points…I am grateful I got the alert so I could fix the problem but still lost the 40 points. I am trying desperately to build my credit but from what I understand from others it will take a lot of work to build it and only 1 bad thing to ruin it…I think credit is a racket and we are the ball, bouncing back and forth trying to make ends meat.

By: Bessie

Bessie — Tue, 28 Apr 2009 16:33:42 +0000

Everyone thanks a bunch for sharing the info re: CreditKarma.com. I looked for days on ways to get around paying the high fees to the 3 credit reporting bureaus just to get my credit score. Unless I signed up for a free trial program I was looking at paying anywhere from $20 to $45 dollars and it would be just my luck I would forget to CXL. CreditKarma.com was fast and gave me instant results. Here again, thanks a bunch for sharing this info.

By: Harrison

Harrison — Mon, 27 Apr 2009 13:15:32 +0000

Thanks for the list, Jim. Looks like the creditkarma.com is a good option, isn't it? Anyway, off topic for a while, Jim, are you a Chinese?

By: Jim

Jim — Thu, 23 Apr 2009 05:07:23 +0000

Soft pulls/inquiries won’t affect your score at all, it’s the hard pulls/inquiries you have to watch out for. Fortunately, those only happen when companies are making a lending decision.

I wish they offered that to me!

By: Eric

Eric — Thu, 23 Apr 2009 05:00:34 +0000

I jumped on that offer through Amex too Carina! Nice to see a no strings attached offer. Oh and a great credit score too.

By: Carina

Carina — Thu, 23 Apr 2009 04:27:33 +0000

Interesting that your stock photo is of an AmEx card, because they recently offered me a free report and FICO score via Experian. No strings attached, no subscription to cancel. Nice.

The credit union is another good one as Steven mentioned. Chatting with my banker (unioner??) the other day, she happened to mention that they do soft pulls of my score regularly anyway because of my line of credit, and do I want to see what my score is currently and what the historical numbers had been? Uhhh, heck yeah! With maybe two keystrokes she had it all up on screen. (I pull my reports annually like clockwork to catch problems, and and have seen these pulls on there, so doesn’t look like it’s affecting the reports or score negatively.)

By: Stephanie PTY

Stephanie PTY — Thu, 23 Apr 2009 01:49:53 +0000

Actually, I believe that CreditKarma is giving the TransUnion FICO score for free now, instead of an approximation, which they used to do.

By: Jim

Jim — Wed, 22 Apr 2009 19:33:49 +0000

That’s a good question, do Canadian companies use FICO scores or do they rely on something else?

By: tom

tom — Wed, 22 Apr 2009 19:23:37 +0000

Do any of these sites apply to Canadian readers or is it US based?

By: PennyScraper

PennyScraper — Wed, 22 Apr 2009 18:47:29 +0000

I used Privacy Matters 1-2-3 last year to get my credit score for free and cancelled within the 7-day grace period. However they continued to charge my bank account $1 a month.I had to eventually file a cliam with my bank to get my $6 back! I have tried MyFico and had no problems!

By: Ethan

Ethan — Wed, 22 Apr 2009 17:16:31 +0000

You know, if they’d charge something reasonable like $2.99/mo I would probably carry a subscription forever. It’s not that the services aren’t valuable, it’s that their value is so out of line with their retail price.

By: Steven

Steven — Wed, 22 Apr 2009 17:12:02 +0000

Hey,

I found out my credit score through my local credit union. I applied for a car loan through them, and they actually gave me the promotional rate. So I asked them if they could tell me what my credit score was and they did. 788.

I just graduated from college, and have student loans, so I’m thinking I wouldn’t have the best credit history. But now I know and got to say, thanks for adding me to the credit card account in 2001 Dad.