Free Credit SCORE

farmers_daughter

Anybody know of a legit place to obtain my credit SCORE. I got the reports, just want the score.

I shouldn't have to pay for it. It's mine.

Just another scam provided by our wonderful fn government. Ugh.:explode: :grumble:



One day I will live....cash only. It will happen, I'm getting there!!!! :bigsmile:

TheSwoleMinister_deleted

You can register for a free account with creditkarma.com, and get your Trans Union score. It's pretty close to your FICO score since they use most of the same criteria. Plus you get a free "credit report card" that tells you what areas your doing well in and in what areas you can make improvements. I refer a lot of people to this website since I am on the pastoral staff as a financial coach and counselor at a 6000 member church at the moment.

Timshel_

In many states you get a free credit report once a year, but I do not believe you get a credit score with that.

http://www.consumer.ftc.gov/articles/0155-free-credit-reports

We do pretty much cash only anymore. Credit is a huge scam.

TheSwoleMinister_deleted

Credit itself is not a bad thing. We buy houses on credit and nobody gets upset with this. We buy cars on credit and nobody gets upset with this. So why does credit have to be the bad guy? When we pin everything on credit and take no responsibility at all for our actions, a series of bad events are initiated. We can’t ignore the trouble with the economy, or the trouble that many of our friends and families have with credit. Make no mistake about it — if you let it get out of control, credit can be a very bad thing. Yet that’s not the fault of the credit. That would be like blaming the screwdriver. You have to realize your limitations with credit and act accordingly. You have to realize your limitations with spending, and act accordingly. Some people get credit and feel that it’s the gateway to finally getting something special, something that will make people like them. That’s the wrong attitude to have about credit.

SeaRunner26

Credit itself is not a bad thing. We buy houses on credit and nobody gets upset with this. We buy cars on credit and nobody gets upset with this. So why does credit have to be the bad guy? When we pin everything on credit and take no responsibility at all for our actions, a series of bad events are initiated. We can’t ignore the trouble with the economy, or the trouble that many of our friends and families have with credit. Make no mistake about it — if you let it get out of control, credit can be a very bad thing. Yet that’s not the fault of the credit. That would be like blaming the screwdriver. You have to realize your limitations with credit and act accordingly. You have to realize your limitations with spending, and act accordingly. Some people get credit and feel that it’s the gateway to finally getting something special, something that will make people like them. That’s the wrong attitude to have about credit.

[Gasp!] You mean....personal....responsibility? Hater!!!

crista_b

You can sign up for TransUnion and get your score, then just call them and cancel your account. I do that once a year to check my score. They do a free 7-day trial if you check your report since you can do that once a year for free (per government regulations).

ETA: Since you can't see your score once you cancel your account, I suggest taking a screenshot and saving that image. That way you can look back at it until you check your score again next year.

farmers_daughter

In many states you get a free credit report once a year, but I do not believe you get a credit score with that.

http://www.consumer.ftc.gov/articles/0155-free-credit-reports

We do pretty much cash only anymore. Credit is a huge scam.

Correct you do not get a score with it. You have to sign up for a trial....I've had nothing but bad luck, service and horribly mannered people so I'm going to avoid the stress this year and try something different.

farmers_daughter

Credit itself is not a bad thing. We buy houses on credit and nobody gets upset with this. We buy cars on credit and nobody gets upset with this. So why does credit have to be the bad guy? When we pin everything on credit and take no responsibility at all for our actions, a series of bad events are initiated. We can’t ignore the trouble with the economy, or the trouble that many of our friends and families have with credit. Make no mistake about it — if you let it get out of control, credit can be a very bad thing. Yet that’s not the fault of the credit. That would be like blaming the screwdriver. You have to realize your limitations with credit and act accordingly. You have to realize your limitations with spending, and act accordingly. Some people get credit and feel that it’s the gateway to finally getting something special, something that will make people like them. That’s the wrong attitude to have about credit.

It's frustrating because of what it has become.
People who have cold hard cash and have worked their butts off for that green stuff are the ones that sometimes lose the "credit game". They don't believe in "credit" because all that is, is taking someone by thier "word" and lately that doesn't mean squat.

Correct, very few people are lucky enough to purchase a home or vehicle without some form of credit. So as a whole nation we depend on credit. Its the few people that like you said ruined it for everyone.... that's not going to go away, it's going to get worse, I do not feasibly see how it can get better. You just have to keep on keeping on.

It's simply incredibly frustrating to see someone walk in with, $0 debt, and $10,000 cash in thier hand, for a down payment on a home, and still get raked over the coals on a financing deal or their percentage is through the roof because they have "no credit" because of some "score" that is error riddled and potentially plain old wrong.

It is incredibly difficult to report errors on your report. I've been down that road. Sorry for the vent. But thanks for the feed back.

Timshel_

I've had nothing but bad luck, service and horribly mannered people so I'm going to avoid the stress this year and try something different.

That is my issue with credit companies. I've had some issues in the past that took over a year to get resolved because they don't provide customer service, unless you pay them. There is no one to talk to and writinig letters for disputes is a joke of a process. So the accountability, or complete lack of, is my sticking point. That an accuracy is not super high on their list of concerns.

Again, we made the decsion years ago to go on almost a complete cash basis. Best decision ever.

TheSwoleMinister_deleted

I've been on both sides of the coin. AT 18 I got my first credit card and maxed it out within 60 days. Eventually decided to stop paying my bill, and had to deal with the charge-off and collection calls for a few years. It got worse for me when I had a bike racing accident and didn't have any personal medical insurance. Medical bills of course went to collections as well, and I was in the mid 500s for credit score. For the following 8 years I worked my butt off to fix my credit and learn all the dirty tricks of the industry.

11 years later I'm in the high 700s. The only debt my wife and I have is our home. We use our credit cards for 70-80% of our purchases to get the rewards points, and pay off every card in full every month. Of course we have a very dedicated budget that we follow in our house, and because of this our finances have never been better.

We usually end up with between $500 and $600 worth of points that we cash in during the holidays for family spending. That is $$ that is pretty much a guarantee (barring any change in terms by the CC company). To put it in perspective, If I wanted to put my money into a guaranteed return vehicle (such as a CD or a savings account) at today's "amazing" savings interest rates, I would have to put $50,000 into a 12-month CD just to earn a guaranteed $550 on that account.

So basically, I'm getting a **free $50,000 12-month CD** from Chase, Discover, and Amex by taking advantage of their credit card rewards programs. At least that's the way WE look at it! :bigsmile:

MilanaLong

Have you heard about Quizzle? Try to check your credit score with this service. And of course CreditKarma. These are two website which can provide with the estimate credit score you have online. The service is free. I do not know, maybe there are some paid services which you try to use. But I have never tried them so there is no guarantee that they will be accurate. But make sure to check the price range of the paid, so that you do not get into a debt and need to borrow money (you can obtain cash here, by the way: http://paydayloansat.com/ ) as a result