Last time I wrote about how I got started on a credit score.
To follow it up, here are the 4 best tools I have come across for finding out
your credit report and credit score. If you know of any other and better tools,
do tell.
1.
Credit
Bureaus (Experian, Equifax, Transunion, myfico.com) – The most accurate
way of getting your credit report and credit score, is directly from the credit
bureaus. You can go online to the website of these credit bureaus or to
myfico.com and order your score. From what I understand, you are entitled to
one free credit report from each bureau every year. But that report doesn’t
include your score. The score you need to buy. But the report is a great place
to start and make sure that all the information is correct. And if you need
more than one report in a year from the same bureau, there is a way for that
too. If you apply for a credit card, the bank will send you a letter with your
credit score and the bureau they used for getting your score. You are allowed
to call them within 60 days and demand the credit report. This I believe is
over and above your own annual entitlement of the credit report. If there is
anything on the report that you think is wrong, you can contact the credit
bureau and get it rectified. Also, myfico.com has a free 10 day trial. So you
can get your score for free one time and then cancel, if you don’t want to
continue the subscription. The subscription is $14.95/month.
2.
Creditkarma.com
and creditsesame.com – These are your true blue FREE credit report website. They will give you your score
and your credit report online for free. Creditkarma pulls its details from
Transunion, while Creditsesame uses Experian. Take the scores here with a pinch
of salt, as these websites use own scoring mechanism to build the score. But it’s
a great indicator of what your actual score might be.
3.
Creditsecure.com
– If you have an American express account then you can access creditsecure.com
and have your credit score form all three bureaus. Its $ 14.99 per month, but it
also comes with a trial for $ 1 for first 30 days. If you want, you can get
your score one time and then cancel the subscription, if you don’t want to
continue after 30 days.
4.
Freecreditscore.com
– Another website that offer to get you all 3 bureau score for $29.95 per
month. But again, there is a free trail for $0 for first 7 days. Haven’t got
any reviews on this website yet. If anyone does, do share.
This comment has been removed by the author.
ReplyDeleteIf we are searching some thing in which we are expecting to to get effective of use full knowledge than we will surely go to the on this article and blogs. your blog is effective for the detail search for me. Thank you such a blod post.
ReplyDeleteVisit: Identity Theft Insurance