I want to pull my credit report from all 3 agencies along with getting my FICO score from each. Any suggestions which site to use without paying a bundle to get them? My state does offer a free credit report each year but I have already used that.
Aol is offering a report and score for a dollar, for seven days. Look into it.From what i hear there are others,but you need to cancel before the free time is up. Hope that helps!
RE: the AOL offer. I don't know anything about it at all, but my personal opinion is I don't trust AOL. So I wouldn't feel my info is secure. Also, the phrase "if it looks too good to be true, it probably is" comes to mind. Reprts and Scores for $1? I'd research the h&ll out of it. Use cautions when it comes to your persoanl information like that. There may be others, but one place is TrueCredit (FAKO scores). It will give you reports from all 3 CRA's, and scores. You can choose to get the package that gives you scores for all 3, or the package that gives you scores for just 1, and still reports for all 3. It may depend on what your purposes are. Just credit monitoring? Just want a one-time piece of info until next year? Cleaning up credit and want regular info? Buying a house and need to know the score on a daily basis? Generally, the scores are usually close to the same, so getting one score for general purposes is suffice. If you're cleaning up and one score changes, others most likely will too. Having access to all 3 reports will tell you if an item came off, and the score from 1 will tell you about how much that changes your score on others. The TrueCredit package I get costs about $15/month and I can get a new report from all 3 CRA's and a new score from 1 CRA every 24 hrs. I can approximate the others from there. Otherwise, if you want exact scores, I would only feel safe getting them direct from the CRA or a credit monitoring service that is reliable. MyFico is another credit monitoring service, gives reports and score (real score) for 1 CRA (I don't know, but there may be other packages available with them that offers more.
This is the offer aol is offering from "TrueCredit " and yes its for a 1.00 for a certain amount of time.
myfico is probably one of the better sites to pull your credit reports. i found a discount code "CPPSAVINGS" that will give you 20% off.
If you are intending to dispute items on your reports, or use them as evidence in court, you want them directly from each CRA. You get one free a year from each CRA, via: http://www.annualcreditreport.com/ You also get one free from the CRA whose information was used in the decision, if you are turned down for credit, or if your rates are raised or your limits lowered, due to information on your credit reports. You also get one free if you place a fraud alert on your credit reports thru the CRAs. Otherwise it is about $9.50 a report.
I am in the clean up process. First, I used my free annual report to know what I wanted to dispute and to have a hard copies of the credit reports and their report numbers. Equifax is the best at sending out a new hard copy reports if any changes occurred to your account through the dispute process. Transunion send after the investigation is complete if they make changes Next, I have taken advantage of the free 30 day trial from each of the CRAs. I canceled EQ and EX and maintain TrueCredit. It is $15 a month. But you do have access to all 3 reports. I don't trust the scores. They never quite matched up to what EXP and EQ stated. Also, True Credit is somewhat slow to update changes to your credit files, but that's ok. Furthermore, if you have a report number from Experian, you can use it access your latest report for 30 or more days. Just go to the site and click on view your report again. It won't show you the original report, it will show the latest until that number expires.
