Is there any way to check my credit rating for free? - GoFuckYourself.com

fatfoo · 12-19-2009, 02:21 PM

In the past I used a site that charged $10 to check my credit rating.

Anybody know if I can check my credit rating for free?

L-Pink · 12-19-2009, 02:23 PM

I'll do it for you, post all your personal information ......

.

Farang · 12-19-2009, 02:29 PM

yes, ask on craigslist

PornMD · 12-19-2009, 02:30 PM

http://www.annualcreditreport.com

That's the actual one from the govt so they won't make you sign up to shit to get it.

cyco_cc · 12-19-2009, 02:31 PM

Quote:

Originally Posted by fatfoo

In the past I used a site that charged $10 to check my credit rating.

Anybody know if I can check my credit rating for free?

You are entitled to one free credit report per year, IIRC. Google it.

NextBigTube · 12-19-2009, 08:14 PM

Quote:

Originally Posted by cyco_cc

You are entitled to one free credit report per year, IIRC. Google it.

But that doesn't include the credit rating. You still have to pay someone to get that.

Iron Fist · 12-19-2009, 08:19 PM

Pretend your getting a car loan and be friendly to the loan officer.... build up some good rapport and when they are pulling up your credit report, just ask them politely if you couldn't just take a peek at it.. or ask some stupid questions.

Then cancel the paperwork and walk out of the dealership.

fatfoo · 12-19-2009, 10:31 PM

Quote:

Originally Posted by L-Pink

I'll do it for you, post all your personal information ......

.

Yeah? And how would you do that? Where do you find out credit rating and what info usually is asked?

fatfoo · 12-19-2009, 10:33 PM

Quote:

Originally Posted by PornMD

http://www.annualcreditreport.com

That's the actual one from the govt so they won't make you sign up to shit to get it.

Thanks, PornMD. But, I'm looking for a site for Canada. This site looks like it's only for USA.

fatfoo · 12-19-2009, 10:35 PM

I think my credit rating is very good, because I payed off many thousands of dollars of debt.

ganjaman · 12-19-2009, 10:37 PM

looks good so far

fatfoo · 12-19-2009, 10:38 PM

Quote:

Originally Posted by sharphead

Pretend your getting a car loan and be friendly to the loan officer.... build up some good rapport and when they are pulling up your credit report, just ask them politely if you couldn't just take a peek at it.. or ask some stupid questions.

Then cancel the paperwork and walk out of the dealership.

So, what you're saying is the dealership would pay $10 or whatever amount to check the credit rating. And then you can walk out.

pamon · 12-19-2009, 10:40 PM

As someone who's been in the credit industry for 15+ years during my dayjob, here's the scoop. Annualcreditreport.com is the best one for a once a year look at your credit and to make sure all is good. Three credit bureaus exist (Experian, Equifax, Transunion). Your FICO scores are "only" available via myfico.com through an arrangement. Experian doesn't offer FICO scores to the public, only banks and finance companies.

There are tons of monitoring services out there. Just be sure to read the T&C's on each and see what they monitor and for how much.

Hope that helps

Wagerboy · 12-19-2009, 10:45 PM

Quote:

Originally Posted by sharphead

Pretend your getting a car loan and be friendly to the loan officer.... build up some good rapport and when they are pulling up your credit report, just ask them politely if you couldn't just take a peek at it.. or ask some stupid questions.

Then cancel the paperwork and walk out of the dealership.

Your a fucking dick. You are the guy that dealerships make HUGE profits on, cause you thing you have a clue, but really when it comes down to it, your just a douchebag. If you had a clue how the car biz worked or credit for that matter, you would shit yourself. Great advice you just gave. lol.....jerk off.

Wagerboy · 12-19-2009, 10:56 PM

ooh and theres NO WHERE ONLINE you can get your true score. only auto and mortgage companies get a TRUE score. Use a free service and subtract 100-150 points, thats usually close to your score. Free reports use a "guess score" and raise it to make you think your credit is higher and needs protecting, thus making them money.

cyco_cc · 12-19-2009, 11:11 PM

It's true you can do the car dealership thing, but is your time really worth less than the $10 it would cost to run it on your own?

You can estimate your FICO score here: http://www.bankrate.com/calculators/...alculator.aspx I used this before buying my last car and the score that the rep came back with was in this range.

I dunno about a 100-150 point discrepancy. That seems exaggerated and has not been my experience using online reports and getting data from dealerships, when I bought my house, etc. However, I'm sure the auto industry gets a different type of score that has parameters that a "regular" credit score doesn't take into account.

Iron Fist · 12-20-2009, 01:32 AM

Quote:

Originally Posted by fatfoo

So, what you're saying is the dealership would pay $10 or whatever amount to check the credit rating. And then you can walk out.

No the dealership has a link straight to every credit bureau. That's how they make financing decisions on the spot.

Iron Fist · 12-20-2009, 01:34 AM

Quote:

Originally Posted by Wagerboy

Your a fucking dick. You are the guy that dealerships make HUGE profits on, cause you thing you have a clue, but really when it comes down to it, your just a douchebag. If you had a clue how the car biz worked or credit for that matter, you would shit yourself. Great advice you just gave. lol.....jerk off.

You need to switch to decaf.

Really.

Because you know nothing about me or my motives for posting on GFY, so fuck off hater.

pamon · 12-20-2009, 01:51 AM

myfico actually gives you a Fico score that is within 20/30 pts of your score that banks/lenders use. There are 100+ versions of scores within the FICO system and banks subscribe to whatever one they feel assesses risk best.

Generally an auto enhanced score is what dealerships pull and it's a lot higher than what a bank looks at for lending. I've bought auto paper in the past and customers say I have a 750 score when it's a 660 on our end.

ErectMedia · 12-20-2009, 02:06 AM

I use http://www.truecredit.com/ but I'm in the US, it monitors all 3 for any changes to your reports and gives you all 3 credit scores that you can update once a month, it emails you if any changes happen or if you bust over your credit limit accidentally etc... I took the free trial and have been paying $14.95/month now for over 2 years as my credit use to be not so hot but now it's pretty damn good so I wanna keep it that way, one of their email alerts did actually save my ass once.

BAKO · 12-20-2009, 02:07 AM

I check my shit on myfico.com its 15 bucks but you gte bunch of details

Phil · 12-20-2009, 02:20 AM

experian.com

knobish · 12-20-2009, 02:43 AM

That'd work, but you dont have to ask for a peek. Tell them to give you a copy, cause you're entitled to it. At least it was that way when we ran credit the mortgage company. Youll have 3 scores, go off the middle score. They might be going off the low now, idk.

Quote:

Originally Posted by sharphead

Pretend your getting a car loan and be friendly to the loan officer.... build up some good rapport and when they are pulling up your credit report, just ask them politely if you couldn't just take a peek at it.. or ask some stupid questions.

Then cancel the paperwork and walk out of the dealership.

Wagerboy · 12-20-2009, 10:41 AM

Quote:

Originally Posted by sharphead

You need to switch to decaf.

Really.

Because you know nothing about me or my motives for posting on GFY, so fuck off hater.

Your correct, I do not know anything about you. I do know however that you advise to go waste a car dealerships time, money to run credit so you can "peek". They arent going to show you. It varies by state laws, but in NY you can not give a copy of a credit report to a customer. There is one real credit report and only auto lenders and mortage companies get it. The websites you pay for your score give you a guess on your scores. Read the fine print on such websites. Im not a hater, just hate people that would give such retarded advise.

SmokeyTheBear · 12-20-2009, 11:27 AM

first you sign up for all the free porn memberships you can find, then change your credit card phone number to your credit card companies help line and fleee the country for several years. I can guarantee your credit rating will be rated very shitty when you return.

Vendzilla · 12-20-2009, 11:53 AM

I have a real esate person, I just call her and she'll get it for me any time I need it

PornMD · 12-20-2009, 12:11 PM

Quote:

Originally Posted by fatfoo

Thanks, PornMD. But, I'm looking for a site for Canada. This site looks like it's only for USA.

Ah, sorry...I have no idea what to say then, as I'm sure that's probably true for a lot of the credit score sites I'm aware of.

12-19-2009, 02:21 PM	#1
fatfoo ICQ:649699063 Industry Role: Join Date: Mar 2003 Posts: 27,763	Is there any way to check my credit rating for free? In the past I used a site that charged $10 to check my credit rating. Anybody know if I can check my credit rating for free? __________________ Send me an email: [email protected]

12-19-2009, 02:30 PM	#4
PornMD Mainstream Businessman Industry Role: Join Date: Jan 2007 Location: San Diego Posts: 9,291	http://www.annualcreditreport.com That's the actual one from the govt so they won't make you sign up to shit to get it. __________________ Want to crush it in mainstream with Facebook ads? Hit me up.

12-19-2009, 08:19 PM	#7
Iron Fist Too lazy to set a custom title Join Date: Dec 2006 Posts: 23,400	Pretend your getting a car loan and be friendly to the loan officer.... build up some good rapport and when they are pulling up your credit report, just ask them politely if you couldn't just take a peek at it.. or ask some stupid questions. Then cancel the paperwork and walk out of the dealership. __________________ i like waffles

12-19-2009, 10:35 PM	#10
fatfoo ICQ:649699063 Industry Role: Join Date: Mar 2003 Posts: 27,763	I think my credit rating is very good, because I payed off many thousands of dollars of debt. __________________ Send me an email: [email protected]

12-19-2009, 10:40 PM	#13
pamon Confirmed User Industry Role: Join Date: Dec 2007 Posts: 3,107	As someone who's been in the credit industry for 15+ years during my dayjob, here's the scoop. Annualcreditreport.com is the best one for a once a year look at your credit and to make sure all is good. Three credit bureaus exist (Experian, Equifax, Transunion). Your FICO scores are "only" available via myfico.com through an arrangement. Experian doesn't offer FICO scores to the public, only banks and finance companies. There are tons of monitoring services out there. Just be sure to read the T&C's on each and see what they monitor and for how much. Hope that helps __________________ Email: [email protected] Skype: davidamodt. / TG: Davidamodt US Adult Content & Porn Writer Project/Sites/Tubes/Reviews & More

12-19-2009, 02:23 PM	#2
L-Pink working on my tan Industry Role: Join Date: Mar 2005 Location: Florida/Kentucky Posts: 39,151	I'll do it for you, post all your personal information ...... .

12-19-2009, 02:29 PM	#3
Farang one sick puppy Industry Role: Join Date: Oct 2004 Location: Where the worst of the West meets the worst of the East Posts: 11,485	yes, ask on craigslist

12-19-2009, 10:37 PM	#11
ganjaman So Fucking Banned Join Date: Jan 2002 Location: morava kurva! Posts: 2,292	looks good so far

12-19-2009, 10:56 PM	#15
Wagerboy Confirmed User Join Date: Jul 2006 Posts: 2,290	ooh and theres NO WHERE ONLINE you can get your true score. only auto and mortgage companies get a TRUE score. Use a free service and subtract 100-150 points, thats usually close to your score. Free reports use a "guess score" and raise it to make you think your credit is higher and needs protecting, thus making them money. __________________ The Main Program That Makes Me Fucking Money!! Teens Getting Pounded

12-19-2009, 11:11 PM	#16
cyco_cc Confirmed User Join Date: Oct 2008 Posts: 344	It's true you can do the car dealership thing, but is your time really worth less than the $10 it would cost to run it on your own? You can estimate your FICO score here: http://www.bankrate.com/calculators/...alculator.aspx I used this before buying my last car and the score that the rep came back with was in this range. I dunno about a 100-150 point discrepancy. That seems exaggerated and has not been my experience using online reports and getting data from dealerships, when I bought my house, etc. However, I'm sure the auto industry gets a different type of score that has parameters that a "regular" credit score doesn't take into account.

12-20-2009, 01:51 AM	#19
pamon Confirmed User Industry Role: Join Date: Dec 2007 Posts: 3,107	myfico actually gives you a Fico score that is within 20/30 pts of your score that banks/lenders use. There are 100+ versions of scores within the FICO system and banks subscribe to whatever one they feel assesses risk best. Generally an auto enhanced score is what dealerships pull and it's a lot higher than what a bank looks at for lending. I've bought auto paper in the past and customers say I have a 750 score when it's a 660 on our end. __________________ Email: [email protected] Skype: davidamodt. / TG: Davidamodt US Adult Content & Porn Writer Project/Sites/Tubes/Reviews & More

12-20-2009, 02:06 AM	#20
ErectMedia Confirmed Chicago Pimp Industry Role: Join Date: Aug 2004 Location: Chicago Posts: 7,100	I use http://www.truecredit.com/ but I'm in the US, it monitors all 3 for any changes to your reports and gives you all 3 credit scores that you can update once a month, it emails you if any changes happen or if you bust over your credit limit accidentally etc... I took the free trial and have been paying $14.95/month now for over 2 years as my credit use to be not so hot but now it's pretty damn good so I wanna keep it that way, one of their email alerts did actually save my ass once. __________________ Domain Name Registration Web3 Domains Last edited by ErectMedia; 12-20-2009 at 02:09 AM..

12-20-2009, 02:07 AM	#21
BAKO Etology.com Industry Role: Join Date: Jul 2005 Location: Hollywood CA Posts: 18,386	I check my shit on myfico.com its 15 bucks but you gte bunch of details __________________ http://DatingNetwork.com Telegram: @bakokaye

12-20-2009, 02:20 AM	#22
Phil Confirmed User Join Date: Jan 2004 Posts: 7,659	experian.com __________________ Ask Phil

12-20-2009, 11:27 AM	#25
SmokeyTheBear ►SouthOfHeaven Join Date: Jun 2004 Location: PlanetEarth MyBoardRank: GerbilMaster My-Penis-Size: extralarge MyWeapon: Computer Posts: 28,609	first you sign up for all the free porn memberships you can find, then change your credit card phone number to your credit card companies help line and fleee the country for several years. I can guarantee your credit rating will be rated very shitty when you return. __________________ hatisblack at yahoo.com

12-20-2009, 11:53 AM	#26
Vendzilla Biker Gnome Industry Role: Join Date: Mar 2004 Location: cell#324 Posts: 23,200	I have a real esate person, I just call her and she'll get it for me any time I need it __________________ Webair died? Carbon is not the problem, it makes up 0.041% of our atmosphere , 95% of that is from Volcanos and decomposing plants and stuff. So people in the US are responsible for 13% of the carbon in the atmosphere which 95% is not from Humans, like cars and trucks and stuff and they want to spend trillions to fix it while Solar Panel plants are powered by coal plants think about that