Get Your Free Credit Score - Comments Page 1

I went on the Experian web site 5 months ago to get my 'free' credit report, and by mistake get them my c.c. number. I'm still fighting with them to stop billing me $19.50 a month for a service I never wanted and don't use. Just real glad that my c.c. company is helping me in this battle. A word to the wise: DO NOT give them your credit card number, no matter what!

I mark my calendar to remind me to check my credit score every 4 months with one of each of the Big 3 in rotation. I've always been careful to NOT subscribe to their services and have had no problems. Periodically, I also check CREDIT KARMA and have found it to be a very useful FREE service.

HI: You mentioned BBB or Better Business Bureau in the above article.

That company has turned out to be a Bum Steer in recent years. They are only interested in collecting dues. Their investigations of companies are based upon if the company is a BBB member, then they can do nothing wrong.

Frankly BBB doesn't deserve any attention anymore, and someone needs to reinvent the wheel in regard to what they previously represented.

Brian

if i don't mind paying, how can I get my credit scores? how much does it cost?

thanks,

I have been using the FREE Credit Karma for over 2 years now & love it! They are always improving their services as well. They have recently included a monitor service that will notify you of changes to your credit score! Cool site.

It's something like continuity service for the company who wants to know it's customer behavior. So, continuous charge is expected for the company, not the case of Tom. I agree with Tom; posted on Jan 20, that important info like credit card should never be given to anyone. But, the question is why we want to know our credits, it doesn't matter while you are holding credit card and can use that card for your purpose; ie., perchase.

I thought that by law each of the three reporting agencies had to provide you with a free report once a year, meaning that if you spaced out the requests four months apart you could get 3 reports a year. I haven't tried this but am wondering if I'm correct. Has anyone done this?

EDITOR'S NOTE: Yes, as I mentioned in my article on Credit Reports, this is possible. But keep in mind that a credit report is much different than a credit score.

Credit Karma is a very helpful site! Went through a short sale on my house about 16 months ago, and this let me determine the impact it had on my credit score (at least for Transunion.) Thanks Bob

Good information Bob and thanks. Only concern is with the wording. You use the term "poor credit risk" That's almost like a double negative. I think of a poor credit risk as a low credit risk. That's actually a good thing, not bad.

About 8 years ago I had a service and all it did was notify me each time my credit was checked (and by who) and whether it was an "inquiry" only or a "hard" check (i.e, resulting from an actual application for credit.) It only cost $10 per year and was useful and priced right. I believe they discontinued the service after a year or two and tried to sell me a more comprehensive package (at a much higher price.) Does anyone know anything about this? I think I may have gotten this originally by signing up for the comprehensive package, then cancelling it....and in an attempt to at least get some revenue from me, they offered me the smaller package. Has anyone had that experience?

I've seen the commericals on TV for this service and was doubtful about it being free. I know when getting my free credit reports in the past there was always an extra fee for the actual credit score. After reading the information here and checking it out it is really free and they don't ask for a CC. Found it very informative & so far don't see anything negative with it, thanks Bob.

Some banks and major retailers offer ongoing credit score monitoring as part of their services. This is really a great facility. We should use this facility so that we can maintain our credit scores at good level.