Posted: 8/13/2017 4:55:11 PM EDT
| What's a good credit report site to use? Are there any free websites? Thanks in advance! |
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Credit karma is probably the biggest. I just go through one my CC companies as they provide it for free. There is literally dozens of different scoring models and it depends what type of credit you are applying for. |
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What kind of hard inquiry are you comparing it to? Which bureau did it most closely line up with? You're the exception, not the norm. |
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First check annualcreditreport.com
Then sign up for Credit Karma to make sure it's all captured there too. I use CK to monitor. Works so far. Still couldn't figure out why my Fico score at two of the three bureaus dropped from 820 to 760 only for one month last Jan then bounced right back feb and stable since. Nothing changed, no inqiries, etc. weird. |
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Auto Loan, and a small loan on an ATV...both were within a couple points. That said my credit score isn't that complicated tho compared to some lol Quoted:
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What kind of hard inquiry are you comparing it to? Which bureau did it most closely line up with? You're the exception, not the norm. 
My favorite one recently was the person with 485 inquires with 220 of them in the past 6 months 
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Credit Karma has a standard deviation of roughly 40 points from what I've observed daily. There is literally dozens of different scoring models and it depends what type of credit you are applying for. |
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Depends what you're looking for. If you're just looking for your credit score, your bank usually provides a score for free. Other than that, Credit Karma provides your scores, but I believe you need to pay for that.
If you're looking for a credit report, you're entitled to one freebie per year from each of the big three. I believe the website is freecreditreport.com or some permutation of that. |
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Credit karma is not real. Do not use them. It's a simulation.
The ONLY place to get a real credit report is myfico.com. I believe they are 20 bucks for each of the 3 reports, although you are entitled to one free report per year of your choice but it won't give your credit score. It'll just list all your debts. |
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Credit karma is not real. Do not use them. It's a simulation. The ONLY place to get a real credit report is myfico.com. I believe they are 20 bucks for each of the 3 reports, although you are entitled to one free report per year of your choice but it won't give your credit score. It'll just list all your debts. Myfico.com is the same info as Credit Karma, except with myfico.com you have to pay for it. |
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Incorrect. The website is annualcreditreport.com and it is free. It is the ONLY real credit report site as mandated by law and provides access to the report on all three bureaus. Myfico.com is the same info as Credit Karma, except with myfico.com you have to pay for it. Quoted:
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Credit karma is not real. Do not use them. It's a simulation. The ONLY place to get a real credit report is myfico.com. I believe they are 20 bucks for each of the 3 reports, although you are entitled to one free report per year of your choice but it won't give your credit score. It'll just list all your debts. Myfico.com is the same info as Credit Karma, except with myfico.com you have to pay for it. |
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Credit karma is not real. Do not use them. It's a simulation. The ONLY place to get a real credit report is myfico.com. I believe they are 20 bucks for each of the 3 reports, although you are entitled to one free report per year of your choice but it won't give your credit score. It'll just list all your debts. Myfico.com is the same info as Credit Karma, except with myfico.com you have to pay for it. 5) Don’t confuse your credit score with your credit report. Both are important but are used very differently. The best truly free way to deal with a potentially bad score before a purchase is to deal with the underlying issues that cause it. Obtain a copy of your credit report at the only authorized source: http://AnnualCreditReport.com . |
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Credit karma is not real. Do not use them. It's a simulation. The ONLY place to get a real credit report is myfico.com. I believe they are 20 bucks for each of the 3 reports, although you are entitled to one free report per year of your choice but it won't give your credit score. It'll just list all your debts. Myfico.com is the same info as Credit Karma, except with myfico.com you have to pay for it. I'll repeat it again. Myfico.com is the same sham scores as Credit Karma, except you have to pay for Myfico.com. |
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and from that link 5) Don’t confuse your credit score with your credit report. Both are important but are used very differently. The best truly free way to deal with a potentially bad score before a purchase is to deal with the underlying issues that cause it. Obtain a copy of your credit report at the only authorized source: http://AnnualCreditReport.com . Quoted:
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Credit karma is not real. Do not use them. It's a simulation. The ONLY place to get a real credit report is myfico.com. I believe they are 20 bucks for each of the 3 reports, although you are entitled to one free report per year of your choice but it won't give your credit score. It'll just list all your debts. Myfico.com is the same info as Credit Karma, except with myfico.com you have to pay for it. 5) Don’t confuse your credit score with your credit report. Both are important but are used very differently. The best truly free way to deal with a potentially bad score before a purchase is to deal with the underlying issues that cause it. Obtain a copy of your credit report at the only authorized source: http://AnnualCreditReport.com . |
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Exactly. That's the FREE report that I mentioned in my original post that you are entitled to yearly. Does not include your score though. Quoted:
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Credit karma is not real. Do not use them. It's a simulation. The ONLY place to get a real credit report is myfico.com. I believe they are 20 bucks for each of the 3 reports, although you are entitled to one free report per year of your choice but it won't give your credit score. It'll just list all your debts. Myfico.com is the same info as Credit Karma, except with myfico.com you have to pay for it. 5) Don’t confuse your credit score with your credit report. Both are important but are used very differently. The best truly free way to deal with a potentially bad score before a purchase is to deal with the underlying issues that cause it. Obtain a copy of your credit report at the only authorized source: http://AnnualCreditReport.com . Quoted:
The ONLY place to get a real credit report is myfico.com. |
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No, it's not. Please don't pass stuff off as fact if you do not know or are unsure. Some idiot may actually believe you. Quoted:
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Credit karma is not real. Do not use them. It's a simulation. The ONLY place to get a real credit report is myfico.com. I believe they are 20 bucks for each of the 3 reports, although you are entitled to one free report per year of your choice but it won't give your credit score. It'll just list all your debts. Myfico.com is the same info as Credit Karma, except with myfico.com you have to pay for it. 5) Don’t confuse your credit score with your credit report. Both are important but are used very differently. The best truly free way to deal with a potentially bad score before a purchase is to deal with the underlying issues that cause it. Obtain a copy of your credit report at the only authorized source: http://AnnualCreditReport.com . Quoted:
The ONLY place to get a real credit report is myfico.com. |
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You left out half the quote asshole. Doesn't work like that. And myfico is the only place to get your real credit score from the agencies. The rest are based on simulations. Quoted:
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Credit karma is not real. Do not use them. It's a simulation. The ONLY place to get a real credit report is myfico.com. I believe they are 20 bucks for each of the 3 reports, although you are entitled to one free report per year of your choice but it won't give your credit score. It'll just list all your debts. Myfico.com is the same info as Credit Karma, except with myfico.com you have to pay for it. 5) Don’t confuse your credit score with your credit report. Both are important but are used very differently. The best truly free way to deal with a potentially bad score before a purchase is to deal with the underlying issues that cause it. Obtain a copy of your credit report at the only authorized source: http://AnnualCreditReport.com . Quoted:
The ONLY place to get a real credit report is myfico.com.  Name calling because I called you out for being wrong and quoting you to prove you are wrong. YOU stated as a FACT that Myfico.com is THE ONLY PLACE to get a REAL CREDIT REPORT and that is indeed 100% patently false.
Go be triggered elsewhere. People that know what they're talking about are speaking here. |
| And just as you are wrong about Myfico.com being the ONLY PLACE TO GET A REAL CREDIT REPORT, you are also wrong in that Myfico.com is the same as many many many other places out there that provide a credit score to the paying consumer. They are not and never have been, the official place for a credit score and certainly are not the only ones. |
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Name calling because I called you out for being wrong and quoting you to prove you are wrong. YOU stated as a FACT that Myfico.com is THE ONLY PLACE to get a REAL CREDIT REPORT and that is indeed 100% patently false.
Go be triggered elsewhere. People that know what they're talking about are speaking here. Quoted:
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Credit karma is not real. Do not use them. It's a simulation. The ONLY place to get a real credit report is myfico.com. I believe they are 20 bucks for each of the 3 reports, although you are entitled to one free report per year of your choice but it won't give your credit score. It'll just list all your debts. Myfico.com is the same info as Credit Karma, except with myfico.com you have to pay for it. 5) Don’t confuse your credit score with your credit report. Both are important but are used very differently. The best truly free way to deal with a potentially bad score before a purchase is to deal with the underlying issues that cause it. Obtain a copy of your credit report at the only authorized source: http://AnnualCreditReport.com . Quoted:
The ONLY place to get a real credit report is myfico.com. Name calling because I called you out for being wrong and quoting you to prove you are wrong. YOU stated as a FACT that Myfico.com is THE ONLY PLACE to get a REAL CREDIT REPORT and that is indeed 100% patently false.
Go be triggered elsewhere. People that know what they're talking about are speaking here. http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/The-many-flavors-of-FICO-Editions-versions-and-variations/td-p/1197617 https://www.goodfinancialcents.com/how-to-find-your-real-fico-credit-score-free/ There is only one way to get your true FICO score and that's by going directly to FICO. |
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Credit Karma gives you your Equifax and TransUnion scores.
People who think CK is inaccurate are confusing their CK/Experian/TU scores (850 point scale) with their other scores (based on a 900 point scale), hence the erroneous claims that "CK is off by 40 points". ETA: Equifax vs. Experian. |
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And just as you are wrong about Myfico.com being the ONLY PLACE TO GET A REAL CREDIT REPORT, you are also wrong in that Myfico.com is the same as many many many other places out there that provide a credit score to the paying consumer. They are not and never have been, the official place for a credit score and certainly are not the only ones. https://wallethub.com/edu/credit-karma-vs-fico/19049/ |
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How many links do I need to provide to show that you are wrong? How many half quotes do you need to post to show everyone that you're an asshole? http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/The-many-flavors-of-FICO-Editions-versions-and-variations/td-p/1197617 https://www.goodfinancialcents.com/how-to-find-your-real-fico-credit-score-free/ There is only one way to get your true FICO score and that's by going directly to FICO. Quoted:
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Credit karma is not real. Do not use them. It's a simulation. The ONLY place to get a real credit report is myfico.com. I believe they are 20 bucks for each of the 3 reports, although you are entitled to one free report per year of your choice but it won't give your credit score. It'll just list all your debts. Myfico.com is the same info as Credit Karma, except with myfico.com you have to pay for it. 5) Don’t confuse your credit score with your credit report. Both are important but are used very differently. The best truly free way to deal with a potentially bad score before a purchase is to deal with the underlying issues that cause it. Obtain a copy of your credit report at the only authorized source: http://AnnualCreditReport.com . Quoted:
The ONLY place to get a real credit report is myfico.com. Name calling because I called you out for being wrong and quoting you to prove you are wrong. YOU stated as a FACT that Myfico.com is THE ONLY PLACE to get a REAL CREDIT REPORT and that is indeed 100% patently false.
Go be triggered elsewhere. People that know what they're talking about are speaking here. http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/The-many-flavors-of-FICO-Editions-versions-and-variations/td-p/1197617 https://www.goodfinancialcents.com/how-to-find-your-real-fico-credit-score-free/ There is only one way to get your true FICO score and that's by going directly to FICO. |
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Credit Karma uses your Experian and TransUnion scores. People who think CK is inaccurate are confusing their CK/Experian/TU scores (850 point scale) with their other scores (based on a 900 point scale), hence the erroneous claims that "CK is off by 40 points". |
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No, myfico is the only place to get your real FICO score, not credit report. It's not the same as other sites. https://wallethub.com/edu/credit-karma-vs-fico/19049/ Quoted:
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And just as you are wrong about Myfico.com being the ONLY PLACE TO GET A REAL CREDIT REPORT, you are also wrong in that Myfico.com is the same as many many many other places out there that provide a credit score to the paying consumer. They are not and never have been, the official place for a credit score and certainly are not the only ones. https://wallethub.com/edu/credit-karma-vs-fico/19049/ Also, you're still wrong on the credit score. They are all simulations unless you have a hard inquiry performed. And even on top of that, FICO, is just one of dozens of scoring models and is not a definitive score. |
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Another one enters the ring... That is also not correct. CK uses TU and Equifax. And it is not erroneous when it is fact and I can assure you, there is no confusion. Quoted:
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Credit Karma uses your Equifax and TransUnion scores. People who think CK is inaccurate are confusing their CK/Experian/TU scores (850 point scale) with their other scores (based on a 900 point scale), hence the erroneous claims that "CK is off by 40 points". Another one enters the ring... That is also not correct. CK uses TU and Equifax. And it is not erroneous when it is fact and I can assure you, there is no confusion. Sorry, Equifax vs. Experian. CK doesn't simulate anything: it gives you your Equifax and TU scores. If someone pulls your Equifax and/or TU score(s), they will be the same as reported by CK excluding any reporting/changes that were done between the time you checked CK and the pull(s). |
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LOL. Sorry, Equifax vs. Experian. CK doesn't simulate anything: it gives you your Equifax and TU scores. If someone pulls your Equifax and/or TU score(s), they will be the same as reported by CK excluding any reporting/changes that were done between the time you checked CK and the pull(s). Myfico however has been exact on a consistent bases provided you are comparing the same scoring model, many of which are available on their site and with a paid report/monitoring. I don't get why those on this site defend Credit Karma like its run by their mothers. Like everything else its simply a resource to help you get an idea of your current profile. |
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I tried experian for one dollar. Got the score and a week later they were trying to charge for a monthly membership.
I read everything and unchecked the box for membership and they still did it. You can do all of that online, but to get them to stop stealing from you, you have to sit on hold and do it over the phone. Never again. |
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Normally your comments are good, but this is not a good comment. Credit Karma is crap...I've seen it off by 130 points.
Pony up and pay for your credit. Even the free credit you get once a year does not give you FICO score. Quoted:
Credit karma is probably the biggest. I just go through one my CC companies as they provide it for free. |