Author Topic: Question about Credit Checks (Read 1997 times)

GCJayhawker · « **on:** April 04, 2014, 02:51:15 PM »

Where is a good place to go about checking your credit? I have heard a million different ways, reasons not to do it, etc....So I figured I may as well come the good ol' reliable gE crowd to get some information. Don't fail me now.

kslim · « **Reply #1 on:** April 04, 2014, 02:53:40 PM »

go try to get a fat loan, if you are approved you have good credit, if not approved you are a poor.

seriously tho freecredit is okay i guess. my company does three a year for free

The Tonya Harding of Twitter Users Creep · « **Reply #2 on:** April 04, 2014, 02:54:11 PM »

call the bank you have a credit card with and ask.

Mrs. Gooch · « **Reply #3 on:** April 04, 2014, 02:58:26 PM »

You are entitled to 1 free credit report per year from each of the three credit reporting agencies.
http://www.usa.gov/topics/money/credit/credit-reports/bureaus-scoring.shtml

It doesn't include your FICO credit score though, which seems like BS to me.

ChiComCat · « **Reply #4 on:** April 04, 2014, 03:07:40 PM »

Doesn't CreditKarma advertise giving you your score without asking for a CC? One of them is supposed to do that but there has to be a $$ scam in there somewhere.

Mrs. Gooch · « **Reply #5 on:** April 04, 2014, 03:14:20 PM »

Quote from: ChiCat on April 04, 2014, 03:07:40 PM

Doesn't CreditKarma advertise giving you your score without asking for a CC? One of them is supposed to do that but there has to be a $$ scam in there somewhere.

I think you get bombarded with "offers from partners who share our vision of consumer empowerment and value the opportunity to connect with well matched consumers"...but that may be worth it to get a free score?

mocat · « **Reply #6 on:** April 04, 2014, 03:19:19 PM »

creditkarma is very good and you do not enter CC information or get bombarded with anything.

AST · « **Reply #7 on:** April 04, 2014, 03:20:50 PM »

Quote from: mocat on April 04, 2014, 03:19:19 PM

creditkarma is very good and you do not enter CC information or get bombarded with anything.

this, use it at no cost and it rocks

Tobias · « **Reply #8 on:** April 04, 2014, 03:27:01 PM »

yeah, credit karma and credit sesame are both good. the scores tend to differ a bit between each site, but i don't think either is a true fico score

AST · « **Reply #9 on:** April 04, 2014, 03:32:33 PM »

Quote from: Tobias on April 04, 2014, 03:27:01 PM

yeah, credit karma and credit sesame are both good. the scores tend to differ a bit between each site, but i don't think either is a true fico score

exactly, it just keeps you in the ballpark on scores but lets you know any new statuses on accounts.

mocat · « **Reply #10 on:** April 04, 2014, 03:32:43 PM »

Quote from: Tobias on April 04, 2014, 03:27:01 PM

yeah, credit karma and credit sesame are both good. the scores tend to differ a bit between each site, but i don't think either is a true fico score

that is correct. when you get approved for a CC, when they send you your packet of stuff, it includes your actual FICO score. iirc my FICO score was way higher than my score on creditkarma

Tobias · « **Reply #11 on:** April 04, 2014, 03:34:53 PM »

just looked and credit karma looks like it uses your transunion score. mine has also typically been lower than my actual fico and whatever credit sesame uses (in-house calc prolly)

hemmy · « **Reply #12 on:** April 04, 2014, 03:59:37 PM »

Quote from: Tobias on April 04, 2014, 03:34:53 PM

just looked and credit karma looks like it uses your transunion score. mine has also typically been lower than my actual fico and whatever credit sesame uses (in-house calc prolly)

Credit karma uses a completely different calculation created by transunion but its not your transunion score.

Tobias · « **Reply #13 on:** April 04, 2014, 04:00:14 PM »

Gooch · « **Reply #14 on:** April 04, 2014, 04:14:12 PM »

Just go buy a new car. Boom free credit score in the finance office.

AbeFroman · « **Reply #15 on:** April 04, 2014, 04:22:46 PM »

Quote from: Gooch on April 04, 2014, 04:14:12 PM

Just go buy a new car. Boom free credit score in the finance office.

He's a Jayhawk, so that might not be doable

Mikeyis4dcats · « **Reply #16 on:** April 04, 2014, 09:39:05 PM »

If you have or get a Barclay's card you will get a free FICO any time you want in your online account.

steve dave · « **Reply #17 on:** April 04, 2014, 09:41:43 PM »

798 right now

wetwillie · « **Reply #18 on:** April 04, 2014, 10:27:21 PM »

Steve you kick ass at repaying debt. Like really kick ass.

Mikeyis4dcats · « **Reply #19 on:** April 05, 2014, 10:39:05 AM »

808 today (FICO not FAKO)

Dugout DickStone · « **Reply #20 on:** April 05, 2014, 10:44:20 AM »

No clue but own a lot of property and stuff and got absolute lowest rates for stuff.

Phil Titola · « **Reply #21 on:** April 05, 2014, 10:49:04 AM »

Quote from: steve dave on April 04, 2014, 09:41:43 PM

798 right now

I can't imagine life below 800. T&Ps

steve dave · « **Reply #22 on:** April 05, 2014, 01:58:20 PM »

Quote from: Phil Titola on April 05, 2014, 10:49:04 AM

Quote from: steve dave on April 04, 2014, 09:41:43 PM
798 right now

I can't imagine life below 800. T&Ps

Yeah, I'm told I've applied for too much credit. Pffffttt

ksupamplemousse · « **Reply #23 on:** April 05, 2014, 03:33:33 PM »

Quote from: steve dave on April 05, 2014, 01:58:20 PM

Quote from: Phil Titola on April 05, 2014, 10:49:04 AM
Quote from: steve dave on April 04, 2014, 09:41:43 PM
798 right now

I can't imagine life below 800. T&Ps

Yeah, I'm told I've applied for too much credit. Pffffttt

Free flights tho.

sys · « **Reply #24 on:** April 05, 2014, 05:43:44 PM »

Quote from: steve dave on April 05, 2014, 01:58:20 PM

Yeah, I'm told I've applied for too much credit. Pffffttt

i've made the mistake of taking advantage of those 0% cash advance checks some banks send you. doing ok on the arbitrage, but i didn't realize how those sums would impact my churning. i don't think i'll keep going after the current loans term out.