Home arrow Mortgage Forums arrow Credit Problems and Repair arrow

Getting all 3 Fico scores online?

Author Message
NaviGangsta

Guest







Post Posted: Tue Sep 08, 2009 7:27 pm    Post subject: Getting all 3 Fico scores online?
Like 0
Dislike 0

I already got my 3 free ones this year ... been working on clearing up some.

I pay the monthly Equifax watch .. which shows I managed to get my score from 580 to 607 in the last months.

Before, Equifax was my lowest score ... the rest being 620 and 650


Is there a single place I can pay to look at the other 2 again?

_________________
Need help choosing the right loan? Get free consultation from community lenders/consultant
Icon Mini Profile jameshogg
jameshogg




Joined: 20 Dec 2005

Posts: 10148
Location: Nevada
941.94 Dollars($)
Post Posted: Tue Sep 08, 2009 10:40 pm    Post subject:
Like 0
Dislike 0

Hi NaviGangsta,

The only authorized source under the federal law to give you a free annual credit report is AnnualCreditReport.com. According to the Fair Credit Reporting Act, you get to access a free credit report from each of the three nationwide reporting agencies - Experian, Equifax, and TransUnion - every 12 months. You can check out with AnnualCreditReport.com to get a free credit report.

Thanks
Icon Mini Profile gmakerley
gmakerley
Community Mentor
Community Mentor

best lender badge

Joined: 09 Nov 2007

Posts: 12330
Location: bloomfield, ct
50.03 Dollars($)
Post Posted: Wed Sep 09, 2009 6:36 am    Post subject:
Like 0
Dislike 0

you can pay any of these sites that will show your scores as often as you like. they'll happily take your money. at some point, however, it becomes wiser to keep the money in your pocket - that point being, perhaps, the time when you have a score high enough to qualify you for the mortgage loan you're seeking.

at that point, your lender will run a report and obtain all 3 scores; you can then review those scores with the lender.

_________________
George M. Akerley
Independent Contractor - Mortgage Consultant
Word of Excellence Editing/Writing/Proofreading
860-221-5044
Icon Mini Profile smithsara302





Joined: 12 Jun 2009

Posts: 116

-2.38 Dollars($)
Post Posted: Wed Sep 09, 2009 10:51 am    Post subject:
Like 0
Dislike 0

lender can also provide you information about those 3 credit score
Icon Mini Profile sunnyca2009





Joined: 04 Aug 2009

Posts: 1731

35.55 Dollars($)
Post Posted: Wed Sep 09, 2009 8:39 pm    Post subject:
Like 0
Dislike 0

One more option is you cna use some of the 30 days free trial offers which gives all the three scores for free for 30 days

Make sure to cancel them afetr 30 days
Icon Mini Profile gmakerley
gmakerley
Community Mentor
Community Mentor

best lender badge

Joined: 09 Nov 2007

Posts: 12330
Location: bloomfield, ct
50.03 Dollars($)
Post Posted: Thu Sep 10, 2009 6:36 am    Post subject:
Like 0
Dislike 0

sunny that's one of the schemes i always urge people to stay away from. it is far too easy to forget to cancel the "membership" they give you, and next thing you know, there's a monthly charge showing up on a credit card bill...and if people don't review their card accounts, it goes unnoticed until who knows when...and with people at 90-95% of limit as it is, they stand a very good chance of being overlimit due to a moment of weakness when they sign up for such a "service."
_________________
George M. Akerley
Independent Contractor - Mortgage Consultant
Word of Excellence Editing/Writing/Proofreading
860-221-5044
Icon Mini Profile sunnyca2009





Joined: 04 Aug 2009

Posts: 1731

35.55 Dollars($)
Post Posted: Thu Sep 10, 2009 11:33 am    Post subject:
Like 0
Dislike 0

George That would depends on the person.

If you are little responsible and keep soem reminders you can alwsy cancel it before the pay period kicks in or you cna cancel immeditely after you get your report
Icon Mini Profile gmakerley
gmakerley
Community Mentor
Community Mentor

best lender badge

Joined: 09 Nov 2007

Posts: 12330
Location: bloomfield, ct
50.03 Dollars($)
Post Posted: Thu Sep 10, 2009 12:04 pm    Post subject:
Like 0
Dislike 0

yes you are right...but how many thousands of people are "a little responsible" but not responsible enough to notice this little $9 charge? then they see it, and say to themselves, "oh i'll just take care of that tomorrow" and forget to do it. and then it's another month and another charge.

because "a little responsible" is not "a lot responsible" and human nature being what it is, this takes a lot of responsibility, i'm afraid.

i still stand by what i said...these schemes are nothing but money makers for the companies that offer them, and the populace is hurting because of them. they should be avoided - the "benefits" do not outweigh the potential hazards.

_________________
George M. Akerley
Independent Contractor - Mortgage Consultant
Word of Excellence Editing/Writing/Proofreading
860-221-5044
Icon Mini Profile sunnyca2009





Joined: 04 Aug 2009

Posts: 1731

35.55 Dollars($)
Post Posted: Thu Sep 10, 2009 6:09 pm    Post subject:
Like 0
Dislike 0

If you want to knwo where your dollars are going then you need to pay attention to every thigns like this.

I would not call these as money makers, they do provide service and they are not taking someones money just for fre with otu offerign any service
Icon Mini Profile gmakerley
gmakerley
Community Mentor
Community Mentor

best lender badge

Joined: 09 Nov 2007

Posts: 12330
Location: bloomfield, ct
50.03 Dollars($)
Post Posted: Fri Sep 11, 2009 6:53 am    Post subject:
Like 0
Dislike 0

yes, people need to pay attention. we could say that about our diets in this country, also - if people paid attention, obesity would be much less of a problem; if people paid attention to the warnings about tobacco, there'd be far less chronic illness from that.

all i'm trying to do is to warn people that they do need to pay attention. and it sure aint a money loser, or else these companies wouldn't offer it.

'nuf said

_________________
George M. Akerley
Independent Contractor - Mortgage Consultant
Word of Excellence Editing/Writing/Proofreading
860-221-5044
Icon Mini Profile sunnyca2009





Joined: 04 Aug 2009

Posts: 1731

35.55 Dollars($)
Post Posted: Fri Sep 11, 2009 9:30 am    Post subject:
Like 0
Dislike 0

When did this discussion turn about health?

We are talkign about Credit report!
Icon Mini Profile gmakerley
gmakerley
Community Mentor
Community Mentor

best lender badge

Joined: 09 Nov 2007

Posts: 12330
Location: bloomfield, ct
50.03 Dollars($)
Post Posted: Fri Sep 11, 2009 11:41 am    Post subject:
Like 0
Dislike 0

and it did not turn to health. please read carefully sunny...we are discussing paying attention. i simply pointed out that paying attention to a lot of different things results in different results than otherwise.

which, of course, brings us back to that topic to begin with, doesn't it?

_________________
George M. Akerley
Independent Contractor - Mortgage Consultant
Word of Excellence Editing/Writing/Proofreading
860-221-5044
Icon Mini Profile sunnyca2009





Joined: 04 Aug 2009

Posts: 1731

35.55 Dollars($)
Post Posted: Fri Sep 11, 2009 1:39 pm    Post subject:
Like 0
Dislike 0

We go round and round?
Icon Mini Profile gmakerley
gmakerley
Community Mentor
Community Mentor

best lender badge

Joined: 09 Nov 2007

Posts: 12330
Location: bloomfield, ct
50.03 Dollars($)
Post Posted: Fri Sep 11, 2009 1:42 pm    Post subject:
Like 0
Dislike 0

it's more like a never ending track
_________________
George M. Akerley
Independent Contractor - Mortgage Consultant
Word of Excellence Editing/Writing/Proofreading
860-221-5044
Icon Mini Profile newportboc





Joined: 11 Aug 2009

Posts: 14

4.93 Dollars($)
Post Posted: Sat Sep 12, 2009 12:08 am    Post subject:
Like 0
Dislike 0

Perhaps sunnyca2009 the way economic crunch has hit us it seems there is some genuine reason to talk about health rather than finance.
Quick Reply
Your Name
Subject
Image Verification


Can't read the image? click here to refresh
Message body

All times are GMT - 7 Hours
1, 2  Next  
Page 1 of 2

 
Highlights
Bookmark this page
Share |

Helpful References
Mortgage Guide
Mortgage Terms
Mortgage News
Book Center
Shop and Compare lenders
30 Yr. Fixed Vs. 5/1 ARM


Calculators     [View all]
Are you eligible for loan?
How much you can afford?
Calculate monthly payment
Calculate APR


Financial Tools
Credit Repair Tool New
Mortgage Planner
Simple Budgeting Tool


Our Community
MortgageFit Blog
Community Professionals
Community Rewards
Introduce yourself
Website tools


Community Rewards
Five simple ways to earn money with the Mortgage Community.

MortgageFit on Twitter

Followers (265)








Community Chat

We have chosen to apply the Creative Commons Attribution License to all works we publish. This work is licensed under cc by 2.0
Page loaded in 0.213 seconds.