FREE Credit Score Checker

Discussion in 'General Discussion | Credit Cards' started by euromannn, Jul 27, 2014.  |  Print Topic

  1. euromannn
    Original Member

    euromannn Gold Member

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    iolaire, uggboy and Counsellor like this.
  2. dayone
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    dayone Silver Member

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    Discover offers a free score service to its cardholders. Quizzle, Credit Sesame and Credit.com offer free products similar to Credit Karma.
     
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  3. Counsellor
    Original Member

    Counsellor Gold Member

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    Barclay's US Air card give you your actual FICO score from TransUnion. Many of the others aren't actual scores.
     
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  4. othermike27

    othermike27 Silver Member

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    Right. Discover also gives you TU FICO score.
     
  5. Wross

    Wross New Member

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    Barclays/Disco/Walmart give transunion FICOs

    DCU gives equifax FICOs

    PSECU gives experian FICOs
     
  6. satman40

    satman40 Gold Member

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    When you get turned down twice it is time to quit,

    Missing a few members post, hope all is well,

    I have too many cards, but if they are passing them out, guess I may as well.ask...I have more miles than I will ever use...but it is kind of fun..
     
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  7. mommafrica

    mommafrica Silver Member

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    I to have a Barclay's cc(NFL) that just sent me notice to check my FICO score (809). But I've read in other posts that this score isn't accurate. I'm trying to find out my true score, along with a real good mortgage company, to refinance my home (VA refinance).
    What or from whom do I find my true score?
     
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  8. bettina

    bettina Active Member

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    Should one get this card for this benefit?
     
  9. Counsellor
    Original Member

    Counsellor Gold Member

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    I think that should be your "true" score, but you have to remember that the score may vary depending on which of the three credit reporting services your prospective lender consults, and some lenders have a slightly different scoring depending on what sort of loans they provide.

    In my experience (and what I've done when looking for mortgage or auto loans) one way to find out your current score is -- if your bank is a local bank and you have a good relationship with the bank -- to ask your bank to run a check and let you know the score. Since the credit check can cost the bank, you may be asked to pay that charge, usually less than $15.

    Even then, the score may change the next day, or might not be the same as the score your prospective lender sees if it consults a different credit reporting agency than your bank does. Nonetheless, it should be close enough that you'll know if you have a problem (usually defined as a score under 750).
     
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  10. danielwood

    danielwood Gold Member

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    Mint also provides free credit score/report. But it updates every three months.

    Personally, I like credit karma since it updates weekly.
     
  11. Mapsmith
    Original Member

    Mapsmith Gold Member

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    Actually the company that you apply for the refinance will run a true credit check and should give you the numbers. Even if you do not go thru the refinance with them. This will be the True FICO score.
     
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