Best Way to Check Credit Score - Non-Wakeboarding Discussion

(polarbill) · (polarbill) **Join Date: Jun 2003** 02-07-2011, 10:11 AM

What websites are the best or is there another way to check your credit score where they don't ding it too bad or try and charge you a bunch of money every month to monitor it?

(Riteride) · (Riteride) **Join Date: Sep 2010** 02-07-2011, 10:29 AM

If you have a friend that works at a bank have them run it for you. The are not supposed to give you the report but thats what friends are for.

(epic1) · (epic1) **Join Date: Oct 2006** 02-07-2011, 12:07 PM

you can get one free credit report a year from the govt. Google it, its a .gov site I think. Its real free.

(acurtis_ttu) · (acurtis_ttu) **Join Date: May 2004** 02-16-2011, 7:09 AM

^^^^ the free site wont' show u the score, just what's on the report. the best way I have found...is sign up for a free trial with one fo the sites...check your score, then cancel.

(psudy) · (psudy) **Join Date: Dec 2003** 02-16-2011, 7:50 AM

If you check it yourself, it won't ding your score. If you have a bank run it, it could. Plus, you will have to fill out an application in order for them to run it.

(snwmot) · (snwmot) **Join Date: Sep 2006** 02-16-2011, 8:50 AM

car dealership

(jason_b) · (jason_b) **Join Date: Feb 2008** 02-16-2011, 11:19 AM

Save your money on those credit monitoring sites. They give you an ESTIMATE only and not the true credit score. Mine was off by almost FIFTY points!!! That's a lot! I felt like a total d-bag going into a bank saying my score is XXX (excellent) and then they show me the score they pulled that was "good." I got denied for a mortgage when I thought I was doing well w/ my score.

(hatepain) · (hatepain) **Join Date: Aug 2006** 02-16-2011, 12:06 PM

Jason, the bank may have used a different bureau than the one you used. For instance you can be checking your Experian and they are looking at Trans Union or Equifax score which can swing quite a bit. I've seen them with 100 point differences because not all lenders report to all three.

(acurtis_ttu) · (acurtis_ttu) **Join Date: May 2004** 02-16-2011, 12:45 PM

^^^^ agreed; I just bought anothr truck last week, my three scores were diff between my high/low score was almost 75 points.

(psudy) · (psudy) **Join Date: Dec 2003** 02-16-2011, 12:59 PM

Jason may have a point. I have had customers tell me they just looked at theirs online(before I pulled it) and it was XXX. I have then pulled a merged credit and none of the scores matched what they said. Usually I just figure they are full of ****, but I knew this couple, they are older and they started grilling me about how it could be different. Go figure.

(jason_b) · (jason_b) **Join Date: Feb 2008** 02-17-2011, 7:46 AM

No, I got the scores from the bank with the bureau listed. They used 2 because the first one they pulled was low after I had told her my credit was excellent. It was apples to apples---they were just very wrong.

(hatepain) · (hatepain) **Join Date: Aug 2006** 02-17-2011, 12:38 PM

Did you go directly to the websites for the bureau? i.e www.experian.com or www.equifax.com It seems really odd to me that those would be different from what a lending source might pull.