Credit Reports

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Submitted by tc on March 22, 2008 - 9:29pm

Can anyone recommend a credit report company? I am curious about my fico score are there are alot of websites out there.

Submitted by tc on March 22, 2008 - 9:30pm.

Can anyone recommend a credit report company? I am curious about my fico score and there are alot of websites out there.

Submitted by vagabondo on March 22, 2008 - 9:41pm.

I use

Submitted by SDHousehunter on March 22, 2008 - 9:56pm. has identityguard.

Good price for executive members.

Submitted by La Jolla Renter on March 22, 2008 - 10:40pm.

Your best bet it to go to each reporting company separately.

Each one costs about 15 bucks each with the fico score for each.

You are able to get a copy of your credit report once a year from each for free, but it does not give you the score.

Submitted by Doofrat on March 23, 2008 - 12:53am.

Rather than paying for the identity protection products, you can easily file your own fraud alerts. I know, it used to be difficult, but it's really easy now. You can do it online at the second link, or even easier, by phone at the first link. The phone call takes you through an automated system and takes only about four minutes and creates an alert on all three bureaus. I was researching the sites you pay for because I've had to file a fraud alert before and it was a pain, but I needed something immediately, and found that the call in method was so easy, I didn't need the pay systems. You just have to remember to re-do it every 90 days:

Submitted by SDEngineer on March 23, 2008 - 8:34am. (run by Fair Isaac) is the only place you can get your "real" FICO scores - however, even then a lender may be looking at a different score (Fair Isaac also provides "enhanced" scores to lenders tailored to their industries such as the mortgage-enhanced or auto-enhanced scores, and those you can't see).

Some data (like DOFD if you're interested in when a negative will drop off, or full contact/account info for creditors) is only available from the credit reporting agency directly (,, These sites will also offer you a score for a price, but the scores are NOT FICO scores, and may be siginificantly different than your real FICO scores (the scores offered by companies other than Fair Isaac are known collectively as FAKO scores).

I pull my FICO scores from every few months to check the score, and every year pull the free report directly from the CRA (using to have the full record.

Submitted by tc on March 23, 2008 - 9:27am.


Submitted by Raybyrnes on March 24, 2008 - 1:11pm.

Another way of getting a free credit score every month is to open a credit card up through Washington Mutual. They provide an ogoing credit score on the 20th of each month for free. I believe the credit is pulled from transunion. Additonally you will recieve email alerts any time your credit changes by greater than 20 ponts.

Combine this with which provides 1 free credit report from each of the 3 major repaorting agencies (equifax, experian , transunion0 and you have a fairly effective way of getting a good idea of where your credit stands without having to pay a ime for it.

Submitted by susa on March 24, 2008 - 1:52am.

does "trial" program "You are about to purchase: Score Watch" give you the score ?

does this program require cancellation ? ie. join, get the free score during trial and cancel or opt out ?

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