Free FICO Scores
11 replies
DaFishForum VeteranOPJust 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:
"DaFish wrote:
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:
By law you are guaranteed one free one per year.
"Government is not reason; it is not eloquent; it is force. Like fire, it is a dangerous servant and a fearful master."
DaFishForum Veteran"Themole wrote:
By law you are guaranteed one free one per year.
You are guaranteed a free credit report but you have to pay for the FICO score.
#1 fanForum Veteranwow that was easy, and as far as i can tell completely free. thanks big time!
DaFishForum Veteran"#1 fan wrote:
wow that was easy, and as far as i can tell completely free. thanks big time!
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.
unluckylucianoNew Memberso this is legit??
thanks to VO for the sick ass sigs. 
Charlie: If you're not as educated or as informed what you do is you start your own party and you yell the loudest.
"unluckyluciano wrote:
so this is legit??
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.
"Government is not reason; it is not eloquent; it is force. Like fire, it is a dangerous servant and a fearful master."
"DaFish wrote:
You are guaranteed a free credit report but you have to pay for the FICO score.
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.
"Government is not reason; it is not eloquent; it is force. Like fire, it is a dangerous servant and a fearful master."
DaFishForum Veteran"Themole wrote:
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.
Taken from the sites FAQ's section:
Will using Credit Karma lower my credit score?
No. Credit Karma is making the credit score request on your behalf. Inquires made on your behalf will not be shown to creditors and will not affect your credit score.
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.
"DaFish wrote:
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.
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.
"Government is not reason; it is not eloquent; it is force. Like fire, it is a dangerous servant and a fearful master."
DaFishForum Veteran"Themole wrote:
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.
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.