Where can I get my FICO score for free?

MF-DIF · 12-21-2009, 07:23 PM

Anyone know where I can get my FICO score for free? I'm in the process for applying to an apartment, and they gave me the option of providing them with my credit report documents myself to avoid admin fees.

I have my credit reports from annualcreditreport.com, but they don't display FICO.

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chris619 · 12-21-2009, 07:24 PM

Quote:

Originally Posted by MF-DIF

Anyone know where I can get my FICO score for free? I'm in the process for applying to an apartment, and they gave me the option of providing them with my credit report documents myself to avoid admin fees.

I have my credit reports from annualcreditreport.com, but they don't display FICO.

www.penisclown.fart

gramicci101 · 12-21-2009, 07:24 PM

Quote:

Originally Posted by MF-DIF

Anyone know where I can get my FICO score for free? I'm in the process for applying to an apartment, and they gave me the option of providing them with my credit report documents myself to avoid admin fees.

I have my credit reports from annualcreditreport.com, but they don't display FICO.

PM Rogue, he can look it up for you.

Protege Menace · 12-21-2009, 07:24 PM

www.creditkarma.com

Its not exact, but very damn close. And free (ad supported)

/SRSthreadruin

Eezyal · 12-21-2009, 07:25 PM

I believe myfico.com is the only site that will actually give you your true FICO score. All other sites use their own algorithms to calculate an estimate of the score.

.brian. · 12-21-2009, 07:27 PM

f r e e that spells free, credit report dot com baby.

sorry i can't be of more help.

MF-DIF · 12-21-2009, 07:36 PM

Quote:

Originally Posted by .brian.

f r e e that spells free, credit report dot com baby.

sorry i can't be of more help.

They make you pay like 14.99 and call it a "trail". Seems like bait and switch to me.

jms · 12-21-2009, 08:13 PM

Quote:

Originally Posted by MF-DIF

They make you pay like 14.99 and call it a "trail". Seems like bait and switch to me.

You don't want to go down that path my friend.

flghtmstr1 · 12-21-2009, 08:37 PM

Quote:

Originally Posted by Protege Menace

www.creditkarma.com

Its not exact, but very damn close. And free (ad supported)

/SRSthreadruin

That site is awesome. Thanks for sharing.

just smurfy · 12-21-2009, 08:45 PM

Call your bank (or better yet, show up in person). Ask about getting an auto loan and ask what rate you'll get. They'll have to look up your score to do this. When they do, ask them what your score is.

They're not supposed to disclose this, but my credit union never fails to tell me anyway.

Protege Menace · 12-21-2009, 08:46 PM

Quote:

Originally Posted by just smurfy

Call your bank (or better yet, show up in person). Ask about getting an auto loan and ask what rate you'll get. They'll have to look up your score to do this. When they do, ask them what your score is.

They're not supposed to disclose this, but my credit union never fails to tell me anyway.

A hard inquiry will lower your score slightly. I'm guessing by them checking it would be considered hard, right?

just smurfy · 12-21-2009, 08:53 PM

Quote:

Originally Posted by Protege Menace

A hard inquiry will lower your score slightly. I'm guessing by them checking it would be considered hard, right?

Probably. I don't inquire about a loan just to get my score though - only when I need to borrow money to score drugs.

flghtmstr1 · 12-21-2009, 09:20 PM

Yes, a hard inquiry will lower your score, and asking your bank to run a report for pricing a loan is definitely a hard inquiry. I just used the creditkarma.com site that Protege Menace mentioned, and it performs a soft check for free.

Protege Menace · 12-21-2009, 09:44 PM

Quote:

Originally Posted by flghtmstr1

and it performs a soft check for free.

Once per day, for free

Thaddy · 12-21-2009, 10:05 PM

Quote:

Originally Posted by Protege Menace

Once per day, for free

I'm guessing this site is legit?

cheese tits · 12-21-2009, 10:06 PM

Quote:

Originally Posted by jms

You don't want to go down that path my friend.

I see what you did there

shikataganai · 12-21-2009, 10:34 PM

Quote:

Originally Posted by Thaddy

I'm guessing this site is legit?

yes. corroboration: http://online.wsj.com/article/SB1000...384380556.html

i have used creditkarma, quizzle, and regularly use mint.

also, annualcreditreport.com is the govt/legit site. freecreditreport.com is the non-free scam site. search the newspapers for that one, too, for backup.

sasiki · 12-21-2009, 10:37 PM

Quote:

Originally Posted by just smurfy

Call your bank (or better yet, show up in person). Ask about getting an auto loan and ask what rate you'll get. They'll have to look up your score to do this. When they do, ask them what your score is.

They're not supposed to disclose this, but my credit union never fails to tell me anyway.

Haha. I did the same thing today. I bought my WRX on my line of credit and finally decided to do a proper auto loan. My credit score is 708 and my wife's is 731.. funny thing is she hasn't had a job in a year and a half and is less of a credit risk than I am.

Credit Karma shows it as a 697 so it is 11 points lower than my actual score. I'm not sure which rating bureau the bank used though. Credit Karma used Transunion.

Protege Menace · 12-21-2009, 10:40 PM

Quote:

Originally Posted by Thaddy

I'm guessing this site is legit?

Yup. I did a lot of research before I would give them my SS#, and they are legit.

Jessie James · 12-22-2009, 10:50 AM

Quote:

Originally Posted by Protege Menace

www.creditkarma.com

Its not exact, but very damn close. And free (ad supported)

/SRSthreadruin

Great site, thanks!

LTApaulie · 12-22-2009, 11:14 AM

They probably don't want your credit score, and are much more interested in what your current monthly payments and liabilities are.

2k2 · 12-22-2009, 11:15 AM

I will vouch for credit karma. I used it before getting a score/report monitoring service.

UberWilhelm · 12-22-2009, 11:21 AM

Quote:

Originally Posted by Protege Menace

www.creditkarma.com

Its not exact, but very damn close. And free (ad supported)

/SRSthreadruin

Hmm I just used it and I'm a bit confused by the score. It doesn't match any of the three reporting agencies and it's not the average of the three. How do they calculate this score?

-=C=- · 12-22-2009, 11:22 AM

Quote:

Originally Posted by 2k2BlackWRX

I will vouch for credit karma. I used it before getting a score/report monitoring service.

Same here...I use it every few months to check it. You have to take their "ratings" with a grain of salt though.

Right now credit karma shows me at a 767, but shows my rating as a "C" because I have 2 credit cards and both have 0 balances. No idea what that is about, but whatever.

waktasz · 12-22-2009, 11:32 AM

768 and had a C in a few categories. That doesn't seem to matter though.

I've been unemployed since August and have good amount of mixed types of outstanding debt, oh, and I just got another auto loan in October. Hopefully my new business takes off or I'm going to have to start selling bodily fluids.

12-21-2009, 07:23 PM	#1
MF-DIF Scooby Specialist Member#: 62197 Join Date: May 2004 Chapter/Region: South East Location: Savannah Vehicle: 2008 WRX DGM	Where can I get my FICO score for free? Anyone know where I can get my FICO score for free? I'm in the process for applying to an apartment, and they gave me the option of providing them with my credit report documents myself to avoid admin fees. I have my credit reports from annualcreditreport.com, but they don't display FICO. * Registered users of the site do not see these ads.

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12-21-2009, 07:24 PM	#4
Protege Menace Scooby Specialist Member#: 41950 Join Date: Aug 2003 Chapter/Region: International Location: www.faqurug.com Vehicle: faq u rug	www.creditkarma.com Its not exact, but very damn close. And free (ad supported) /SRSthreadruin

12-21-2009, 07:25 PM	#5
Eezyal Scooby Newbie Member#: 147163 Join Date: Apr 2007 Location: TX Vehicle: 2013 Cadillac ATS	I believe myfico.com is the only site that will actually give you your true FICO score. All other sites use their own algorithms to calculate an estimate of the score.

12-21-2009, 07:27 PM	#6
.brian. Scooby Newbie Member#: 155207 Join Date: Jul 2007 Chapter/Region: Tri-State Location: Bad things happen in Philly Vehicle: 2020 MDX 2022 Odyssey	f r e e that spells free, credit report dot com baby. sorry i can't be of more help.

12-21-2009, 08:45 PM	#10
just smurfy Scooby Specialist Member#: 135893 Join Date: Dec 2006 Chapter/Region: NWIC Location: right here Vehicle: 2017 STI WRB	Call your bank (or better yet, show up in person). Ask about getting an auto loan and ask what rate you'll get. They'll have to look up your score to do this. When they do, ask them what your score is. They're not supposed to disclose this, but my credit union never fails to tell me anyway.

12-21-2009, 09:20 PM	#13
flghtmstr1 Scooby Newbie Member#: 161022 Join Date: Oct 2007 Location: Southeastern PA Vehicle: 2000 Mazda Miata 2001 Mustang GT	Yes, a hard inquiry will lower your score, and asking your bank to run a report for pricing a loan is definitely a hard inquiry. I just used the creditkarma.com site that Protege Menace mentioned, and it performs a soft check for free.

12-22-2009, 11:14 AM	#21
LTApaulie Scooby Newbie Member#: 167649 Join Date: Dec 2007	They probably don't want your credit score, and are much more interested in what your current monthly payments and liabilities are.

12-22-2009, 11:15 AM	#22
2k2 Scooby Specialist Member#: 12368 Join Date: Nov 2001 Chapter/Region: MAIC Location: Pittsburgh,PA Vehicle: 2008 Infiniti G35X 2011 BMW X5 Diesel	I will vouch for credit karma. I used it before getting a score/report monitoring service.

12-22-2009, 11:32 AM	#25
waktasz Scooby Guru Member#: 86356 Join Date: May 2005 Chapter/Region: Tri-State Vehicle: 2018 Aprilia Tuono v4 1100	768 and had a C in a few categories. That doesn't seem to matter though. I've been unemployed since August and have good amount of mixed types of outstanding debt, oh, and I just got another auto loan in October. Hopefully my new business takes off or I'm going to have to start selling bodily fluids.