Best place to get a full credit report? - GoFuckYourself.com

Sly · 12-25-2010, 08:34 PM

Need to run a credit report on myself to make sure I don't have any bad marks, etc. Where is the best place to do this? Would also like to get my score as well.

Thanks, and Merry Christmas!

sandman! · 12-25-2010, 08:41 PM

for $15 or so you can get one run from any of the major companies.

they reports are almost identical you dont need all of them.

Juicy D. Links · 12-25-2010, 08:48 PM

truecredit.com

Juicy D. Links · 12-25-2010, 08:49 PM

Quote:

Originally Posted by sandman!

they reports are almost identical you dont need all of them.

nah man there can be discrepancies on them that the other bureaus dont have and so on...

PornoMonster · 12-25-2010, 08:53 PM

truecredit.com
get all three and scores, worth the money.
also you can do online disputes for 2 of them i think.

C H R I S · 12-25-2010, 08:56 PM

Get it for free from all three credit bureaus:

annualcreditreport.com

Ron Bennett · 12-25-2010, 09:07 PM

By law, one can get a full credit report from each of the three major credit bureaus free once per year at http://www.annualcreditreport.com

* important: other sites, such as freecreditreport-dot-com are not official - are rip offs - only http://www.annualcreditreport.com is the real McCoy.

As for getting a credit score - there's no requirement for credit bureaus to provide those free, and, hence, far as I'm aware, none do.

However, http://www.creditkarma.com provides credit score estimates that tend to be relatively accurate free of charge - many people use them with no issues; it's legit.

With that said, one can guesstimate their credit score themselves by looking at their credit report ... if one has had no missed / late payments, no defaults, reasonable number of credit accounts open for over 5 years, and debt utilization is less than 50%, the person's credit score is likely very good, such as in the mid 700s*

* Or equivalent - there are many different credit scoring systems with somewhat varying scales ... so even if one orders their credit score, it will likely be different than the scoring system the prospective creditor (ie. car loan, mortgage, insurance, etc company) is using - mostly an issue for people whose credit score is borderline good to very good.

In short, begin at http://www.annualcreditreport.com

Hope this helps.

Ron

Hotrocket · 12-25-2010, 09:08 PM

Quote:

Originally Posted by c h r i s 2.0

get it for free from all three credit bureaus:

Annualcreditreport.com

ftw!....

Sly · 12-25-2010, 09:12 PM

I already did ACR I think six months ago, I'll try True Credit. Thanks.

Sly · 12-25-2010, 09:14 PM

True Credit is pushing a free deal. Is this a scam?

Ron Bennett · 12-25-2010, 09:23 PM

Quote:

Originally Posted by Sly

True Credit is pushing a free deal. Is this a scam?

It's likely a 30 day free trial that then auto-renews at like $14.95 or whatever - that's how most of those credit report places work...

With that said, if you're willing to pay for such info, TrueCredit may be worth using, since from my understanding, it's operated by one of the major credit bureaus TransUnion.

Bottom line is if such a service asks for a credit number and/or other payment method (ie. bank account number, PayPal, etc) it's likely NOT free.

Ron

sandman! · 12-25-2010, 09:25 PM

im sure its a free trial that rebills at $10-$20 a month as long as you cancel your all good

you can only do a free trial once a year or 2 tho they dont want people gaming the system

Quote:

Originally Posted by Sly

True Credit is pushing a free deal. Is this a scam?

BradBreakfast · 12-25-2010, 11:01 PM

USAA credit monitoring is a triple bureau daily puller.

pamon · 12-26-2010, 12:40 AM

as someone who works in the credit industry, do the following:

get your free report annually from annualcreditreport.com. if you need any others, get them directly from the experian,equifax,tranunion credit bureaus. if you want scores, such as fico scores, go to myfico.com and you can get your equifax and transunion scores. Experian doesn't offer scores to the public anymore and hasn't for over a year. Enjoy

HerPimp · 12-26-2010, 03:27 AM

citi.com

12-25-2010, 08:34 PM	#1
Sly Let's do some business! Industry Role: Join Date: Sep 2004 Location: Austin, TX Posts: 31,318	Best place to get a full credit report? Need to run a credit report on myself to make sure I don't have any bad marks, etc. Where is the best place to do this? Would also like to get my score as well. Thanks, and Merry Christmas! __________________ Vacares - Web Hosting, Domains, O365, Security & More - Paxum and BTC Accepted Windows VPS now available - 3 months free for GFY members - 3 slots available Great for TSS, Nifty Stats, remote work, virtual assistants, etc. Click here for more details.

12-25-2010, 08:41 PM	#2
sandman! Icq: 14420613 Industry Role: Join Date: Mar 2001 Location: chicago Posts: 15,432	for $15 or so you can get one run from any of the major companies. they reports are almost identical you dont need all of them. __________________ Need WebHosting ? Email me for some great deals [email protected]

12-25-2010, 08:56 PM	#6
C H R I S Too lazy to set a custom title Industry Role: Join Date: Nov 2005 Location: Marina Del Rey Posts: 10,842	Get it for free from all three credit bureaus: annualcreditreport.com __________________ C H R I S Retired Porn Veteran BH4L

12-25-2010, 09:07 PM	#7
Ron Bennett Confirmed User Join Date: Oct 2003 Posts: 1,653	By law, one can get a full credit report from each of the three major credit bureaus free once per year at http://www.annualcreditreport.com * important: other sites, such as freecreditreport-dot-com are not official - are rip offs - only http://www.annualcreditreport.com is the real McCoy. As for getting a credit score - there's no requirement for credit bureaus to provide those free, and, hence, far as I'm aware, none do. However, http://www.creditkarma.com provides credit score estimates that tend to be relatively accurate free of charge - many people use them with no issues; it's legit. With that said, one can guesstimate their credit score themselves by looking at their credit report ... if one has had no missed / late payments, no defaults, reasonable number of credit accounts open for over 5 years, and debt utilization is less than 50%, the person's credit score is likely very good, such as in the mid 700s* * Or equivalent - there are many different credit scoring systems with somewhat varying scales ... so even if one orders their credit score, it will likely be different than the scoring system the prospective creditor (ie. car loan, mortgage, insurance, etc company) is using - mostly an issue for people whose credit score is borderline good to very good. In short, begin at http://www.annualcreditreport.com Hope this helps. Ron __________________ Domagon - Website Management and Domain Name Sales Last edited by Ron Bennett; 12-25-2010 at 09:16 PM..

12-25-2010, 09:12 PM	#9
Sly Let's do some business! Industry Role: Join Date: Sep 2004 Location: Austin, TX Posts: 31,318	I already did ACR I think six months ago, I'll try True Credit. Thanks. __________________ Vacares - Web Hosting, Domains, O365, Security & More - Paxum and BTC Accepted Windows VPS now available - 3 months free for GFY members - 3 slots available Great for TSS, Nifty Stats, remote work, virtual assistants, etc. Click here for more details.

12-25-2010, 08:48 PM	#3
Juicy D. Links So Fucking Banned Industry Role: Join Date: Apr 2001 Location: N.Y. -Long Island -- Posts: 122,992	truecredit.com

12-25-2010, 08:53 PM	#5
PornoMonster Confirmed User Industry Role: Join Date: Mar 2003 Posts: 2,257	truecredit.com get all three and scores, worth the money. also you can do online disputes for 2 of them i think.

12-25-2010, 09:14 PM	#10
Sly Let's do some business! Industry Role: Join Date: Sep 2004 Location: Austin, TX Posts: 31,318	True Credit is pushing a free deal. Is this a scam? __________________ Vacares - Web Hosting, Domains, O365, Security & More - Paxum and BTC Accepted Windows VPS now available - 3 months free for GFY members - 3 slots available Great for TSS, Nifty Stats, remote work, virtual assistants, etc. Click here for more details.

12-25-2010, 11:01 PM	#13
BradBreakfast Confirmed User Join Date: Feb 2008 Posts: 415	USAA credit monitoring is a triple bureau daily puller.

12-26-2010, 12:40 AM	#14
pamon Confirmed User Industry Role: Join Date: Dec 2007 Posts: 3,108	as someone who works in the credit industry, do the following: get your free report annually from annualcreditreport.com. if you need any others, get them directly from the experian,equifax,tranunion credit bureaus. if you want scores, such as fico scores, go to myfico.com and you can get your equifax and transunion scores. Experian doesn't offer scores to the public anymore and hasn't for over a year. Enjoy __________________ Email: [email protected] Skype: davidamodt. / TG: Davidamodt US Adult Content & Porn Writer Project/Sites/Tubes/Reviews & More

12-26-2010, 03:27 AM	#15
HerPimp Confirmed User Industry Role: Join Date: Mar 2006 Location: Earth Posts: 1,197	citi.com __________________