My Public Service Announcement - Credit Score! - Page 2 - Camaro5 Chevy Camaro Forum / Camaro ZL1, SS and V6 Forums

EllwynX · 01-14-2009, 05:30 PM

I also use truecredit.com. Yes, I pay a small fee for the ability to check my credit as often as I want as well as get to view my credit score at all 3 agencies.

The yearly report you are entitled to for free does not include your score.

jeffny09 · 01-14-2009, 07:22 PM

i have myfico.com there pretty good

Rodrunner · 01-14-2009, 07:45 PM

I don't see why anyone wouldn't use http://www.annualcreditreport.com, it's accurate and it's free. Hey, Rogue, is it true that even at annualcreditreport you have to pay a fee to see your FICO credit score?

Sean_W · 01-14-2009, 07:52 PM

I started using this about two years ago. And even more in the last year since I knew I was getting the car. My score was about 650 when I had my house refinance two years ago. Now after taking care of some things on the report and staying current on my bills, I'm up to about 750. I had my bank (credit union) run a credit check for the amount I would need for the camaro and I now qualify for their best interest rate (about 5.50%)

Twenty years ago, the idea of anyone seeing their own report (and making changes to it) was unheard of. You pretty much took what was given to you. What a wonderful time we live in now

Sean

UCF w00t · 01-14-2009, 07:55 PM

Quote:

Originally Posted by Rogue Leader

Woah! You should definitely clear that up if there is an issue. That same problem you are having a bank could have when trying to process a loan for you. You may have never had a problem in the past, but that doesn't mean it won't change in the future.

I had a problem with some of my dads accounts showing under my name (we have the same name different middle initial), since clearing that up we both make sure to always use our middle initial when signing up for anything.

Naw, not worried. The automated thing didn't have enough info basically. It did the same thing to my friend. Last time I did it I had like no credit history so it was easily confused. I just tried and it's all good.

Inspector 17 · 01-14-2009, 07:57 PM

This is definitely the way to go. However, I believe there are some mis-conceptions on this thread. As I undersand it, you are eligible only during ONE MONTH each year to get your report for free from this site. The month is dependent on your specific state. Therefore, you should select all three and pull them all. Each company may collect or report things differently. Therefore, it is possible that one would have an error and another one would not. So pull all three and review them for accuracy each year.

JMAN311 · 01-14-2009, 08:57 PM

Quote:

Originally Posted by Ry4nVan

Yes. Thanks for mentioning this. When researching for my last vehicle, I was stupid enough to use free-credit-report.com to find out my credit score. It wasn't until about 4 months later that I realized free credit report isn't so ... 'free'

They were fraudently charging me $12.95 a month for something I never signed up for. They've had plenty of lawsuits about it but nothing big has ever come out of it because now they advertise this fee in small writing on their stupid commercials. They were taking my money without eveer asking straight from my bank account.

So I'm glad you brought this up... DO NOT USE FREE CREDIT REPORT.COM!!!!

I'm the type of person that always reads the fine print and listens to everything in the commercials. They always say "offer applies with enrollment in triple advantage".... so I'm not sure why anyone would think it's "free"

NVMY68SS · 01-14-2009, 09:16 PM

Quote:

Originally Posted by Rodrunner

I don't see why anyone wouldn't use http://www.annualcreditreport.com, it's accurate and it's free. Hey, Rogue, is it true that even at annualcreditreport you have to pay a fee to see your FICO credit score?

I got my credit report free, but had to pay $7.95 to actually get my FICO. Can't remember which site I started on, but I got my report from Equifax.

807.......I'll take it.

Mr_Draco · 01-14-2009, 11:47 PM

Quote:

Originally Posted by camaropete

This is definitely the way to go. However, I believe there are some mis-conceptions on this thread. As I undersand it, you are eligible only during ONE MONTH each year to get your report for free from this site. The month is dependent on your specific state.

Nope, it is not eligible just one month out of the year. You can do it anytime you want.

Rogue Leader · 01-15-2009, 12:10 AM

Quote:

Originally Posted by Rodrunner

I don't see why anyone wouldn't use http://www.annualcreditreport.com, it's accurate and it's free. Hey, Rogue, is it true that even at annualcreditreport you have to pay a fee to see your FICO credit score?

Yes all 3 agencies charge to see the score (its usually $7.95). The only free part is to check whats on your credit. However you can get a pretty good idea if youre screwed or not from that, since it has all the details. You will know what you need to fix (or what you are stuck with).

Rogue Leader · 01-15-2009, 12:12 AM

Quote:

Originally Posted by camaropete

This is definitely the way to go. However, I believe there are some mis-conceptions on this thread. As I undersand it, you are eligible only during ONE MONTH each year to get your report for free from this site. The month is dependent on your specific state. Therefore, you should select all three and pull them all. Each company may collect or report things differently. Therefore, it is possible that one would have an error and another one would not. So pull all three and review them for accuracy each year.

Not true, you are eligible once per agency per 12 month period (so if you do it August 10th you are not eligible again until August 10th of next year). But you can do it any month you want.

You are correct however that some have info or errors others do not, which is why its good to check up on all 3 at the same time.

flaguy · 01-15-2009, 01:11 AM

Quote:

Originally Posted by Rogue Leader

Thats still a credit service you need to sign up for, annualcreditreport puts you into the free section imemdiately and does not require you to sign up for credit monitoring to access the site.

Freecreditreport.com doesn't require you to do this either. I use that site to check my credit but I also like to see my score from all three so I pay for it. When you are paying they ask if you want to sign up for the credit monitoring but you just have to simply deny it and you only have to pay a one time fee. I check mine annually through that site as well as my wifes. It's really not that expensive, plus it's worth it to see your score and how certain things affect your score from year to year.

350 HRSS · 01-15-2009, 02:11 PM

Quote:

Originally Posted by EllwynX

I also use truecredit.com. Yes, I pay a small fee for the ability to check my credit as often as I want as well as get to view my credit score at all 3 agencies.

The yearly report you are entitled to for free does not include your score.

Exactly...I get a score from all 3, and they let you know if you have ANY inquiries (who that inquiry was), and lots of other info I think is worth the fee.

And I will tell you this...I also get my TransUnion score for free thru a credit card that I have, Providian, which went WaMu, now Chase, and when I compared the score on the CC site w/ the truecredit site, the score was a
30+ point difference...I called about it, and truth is, the CC site (TransUnion) was inaccurate.

Ya get what ya pay for....the free annual report does not give you a score....also your score is supposedly updated the 15th of every month...

MerlinZero · 01-15-2009, 02:14 PM

You know the best way to do this? Get it through your bank.... Along with my ID theft protection I get quarterly credit updates through Wells Fargo.

01-14-2009, 07:22 PM	#16
jeffny09 Drives: 2010 camaro Join Date: Nov 2008 Location: new york Posts: 5,618	i have myfico.com there pretty good __________________ top 10 reason why real men drive stick. 10. A manual transmission is the ultimate in control 9. You can use automotive jargon and not sound like a total tool 8. You can't spell "manual" without "man" 7. Manual transmissions prove you can do more than one thing at a time 6. You can't drift in an auto 5. You can't pull fancy moves in an automatic 4. You get better fuel economy with a stick 3. You’ll never look like a chump if you can drive stick 2. Manual transmission cars are faster 1. Women like a guy who is good with his hands.

01-14-2009, 07:45 PM	#17
Rodrunner Senior Member Drives: 2010 SS/RS, '06 350Z Join Date: Oct 2008 Location: So. Maryland Posts: 2,326	I don't see why anyone wouldn't use http://www.annualcreditreport.com, it's accurate and it's free. Hey, Rogue, is it true that even at annualcreditreport you have to pay a fee to see your FICO credit score? __________________ 2SS/RS - Black/Black - CGM Rally Stripes - Auto - VIN 10171

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01-14-2009, 05:30 PM	#15
EllwynX Drives: 2010 Camaro SS Join Date: May 2006 Location: Southern NJ Posts: 2,259	I also use truecredit.com. Yes, I pay a small fee for the ability to check my credit as often as I want as well as get to view my credit score at all 3 agencies. The yearly report you are entitled to for free does not include your score.

01-14-2009, 07:52 PM	#18
Sean_W Drives: 2010 IOM SS/RS Join Date: Dec 2008 Location: St. Louis, MO Posts: 659	I started using this about two years ago. And even more in the last year since I knew I was getting the car. My score was about 650 when I had my house refinance two years ago. Now after taking care of some things on the report and staying current on my bills, I'm up to about 750. I had my bank (credit union) run a credit check for the amount I would need for the camaro and I now qualify for their best interest rate (about 5.50%) Twenty years ago, the idea of anyone seeing their own report (and making changes to it) was unheard of. You pretty much took what was given to you. What a wonderful time we live in now Sean

01-14-2009, 07:57 PM	#20
Inspector 17 I love crepes Drives: 2017 ZL1 NGM A10 Join Date: Oct 2008 Location: Maryland Posts: 4,955 View My Garage	This is definitely the way to go. However, I believe there are some mis-conceptions on this thread. As I undersand it, you are eligible only during ONE MONTH each year to get your report for free from this site. The month is dependent on your specific state. Therefore, you should select all three and pull them all. Each company may collect or report things differently. Therefore, it is possible that one would have an error and another one would not. So pull all three and review them for accuracy each year.

01-15-2009, 02:14 PM	#28
MerlinZero Big Orange Drives: 2010 Chevrolet Camaro 2SS/RS Join Date: May 2008 Location: Kent, WA Posts: 1,169 View My Garage	You know the best way to do this? Get it through your bank.... Along with my ID theft protection I get quarterly credit updates through Wells Fargo.