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Free FICO Scores

Discussion in 'Economics and Financials' started by DaFish, Aug 16, 2009.

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  1. DaFish

    DaFish Well-Known Member

    2,055
    732
    113
    Dec 18, 2007
    Myrtle Beach, SC
    Just wanted to post this in case some of you want to stay on top of your credit score. I have always hated the idea of having to pay to see your own credit score whenever you wanted to. Hope this helps.:up:

    http://www.creditkarma.com/
     
    unluckyluciano, #1 fan, 2k5 and 3 others like this.
  2. Themole

    Themole Season Ticket Holder

    7,873
    1,594
    0
    Jan 4, 2008
    Palatka Fl.
    By law you are guaranteed one free one per year.
     
  3. DaFish

    DaFish Well-Known Member

    2,055
    732
    113
    Dec 18, 2007
    Myrtle Beach, SC
    You are guaranteed a free credit report but you have to pay for the FICO score.
     
  4. #1 fan

    #1 fan Well-Known Member

    2,161
    558
    113
    Dec 20, 2007
    miami
    wow that was easy, and as far as i can tell completely free. thanks big time!
     
    DaFish likes this.
  5. DaFish

    DaFish Well-Known Member

    2,055
    732
    113
    Dec 18, 2007
    Myrtle Beach, SC
    NP! I have been using it for 2 months now. The cost for the scores are paid by advertising from credit card and insurance companies. They offer you cards based on your credit score so you have a good idea if you will be accepted before applying. I just got my America Express/Costco rewards card that I found out about through this site.
     
  6. unluckyluciano

    unluckyluciano For My Hero JetsSuck

    53,333
    23,006
    0
    Dec 7, 2007
    so this is legit??
     
  7. Themole

    Themole Season Ticket Holder

    7,873
    1,594
    0
    Jan 4, 2008
    Palatka Fl.
    Unless there have been new laws passed, I believe your FICO takes a hit for every time you make an inquiry. The credit bureau's read this as an application for credit.
     
  8. Themole

    Themole Season Ticket Holder

    7,873
    1,594
    0
    Jan 4, 2008
    Palatka Fl.
    Right after the law was passed, giving you the one free report per year, I did mine and my FICO was included. They might have changed it though. I do remember doing it through a government site.
     
  9. DaFish

    DaFish Well-Known Member

    2,055
    732
    113
    Dec 18, 2007
    Myrtle Beach, SC
    Taken from the sites FAQ's section:

    I haven't seen any dings or inquiries on my credit. My score is actually up from last month and I have been using it for a couple of months.
     
  10. Themole

    Themole Season Ticket Holder

    7,873
    1,594
    0
    Jan 4, 2008
    Palatka Fl.
    http://www.ftc.gov/freereports This the site I used and are the only sanctioned site by the federal government.

    I'm just sayin...DaFish, the devil is always in the details.
     
  11. DaFish

    DaFish Well-Known Member

    2,055
    732
    113
    Dec 18, 2007
    Myrtle Beach, SC
    It's once a year. Creditkarma allows you to monitor your score from month to month and gives you tips to help raise it. Pretty handy if you are wanting a lower interest rate when applying for credit.
     

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