Comments on: How to Get A Free Credit Score

By: krantcents

krantcents — Fri, 08 Apr 2011 23:15:59 +0000

Normally, I do not pay that much attention to my credit score, because it is the result of acting financially responsibly. If your score changes, you need to pour over your credit report to make sure some erroneous information is not destroying your credit.

By: fredct

fredct — Sun, 20 Mar 2011 03:39:38 +0000

Your report is just your report. If you want a score, you have to pay for it. You should be offered the option while you get your free report (if you go through the official http://www.annualcreditreport.com anyway).

Note, however, that what you’re getting isn’t necessarily your “FICO” score. Every agency has their own tweaks on the formula, and sometimes more than one. If you really want to make sure you’re getting your ‘FICO’ score, you need to go to myfico.com

By: Victor

Victor — Sat, 19 Mar 2011 14:53:53 +0000

I obtained the three free credit reports but I can’t seem to locate the FICO score. Should it be on the report or is getting the FICO a different process and is it really free?

By: Dreamer

Dreamer — Thu, 14 Jan 2010 11:29:17 +0000

Don’t forget creditkarma.com. Not exactly the FICO score, but close, and free without worrying about trial periods and the like.

By: Ryan

Ryan — Sun, 10 Jan 2010 19:36:03 +0000

Very true – most lenders want to know your FICO credit score. I noted in the article that some of them will give you a copy of your official your FICO credit score, while some of the others will give you a credit score based on a slightly different formula, but it should approximate the FICO score. All of them should give you a copy of your official credit report, which is good to check frequently if you believe you have been exposed to identity theft or a security breach.

By: YOY

YOY — Sun, 10 Jan 2010 13:46:40 +0000

a “credit score” that you get with most of these products is NOT the same as your real FICO score, the only score your creditors are really interested in … save yourself and purchase your FICO score when you really need it .. well in advance of big purchases, etc so you can check for errors and get them corrected before applying for credit

By: LeanLifeCoach

LeanLifeCoach — Sat, 09 Jan 2010 01:58:34 +0000

If you are concerned about your FICO, myFico is worth every penny (google for a savings code). They have a great feature that simulates your score based on criteria you determine. Pay off a debt… your score is…, take out a loan, your score is…. etc…

Totally enlightning!

By: Ryan

Ryan — Fri, 08 Jan 2010 15:10:32 +0000

Good catch on the typo, fredct.

You bring up good points. But there are many people who prefer not to pay anything, so it’s important to get the information out there so people understand how the free credit scores really work.