General Question

Mr_M's avatar

How can I find my credit score online?

Asked by Mr_M (7586points) September 19th, 2008

I know there are sites but I am hesitant to use them for fear that someone might steal my social security number. What sites are trustworthy, won’t spam me afterwards and are free? I would like sites you ACTUALLY used. I understand there are THREE scores I would need to concern myself with.Thanks.

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6 Answers

mikebrittain's avatar

Use the site annualcreditreport.com to get your report from the three reporting agencies. annualcreditreport.com is recommended by the FTC on this page: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre34.shtm , so it should be a trustworthy source.

I used this about 6 months ago, and haven’t received a single mailing from them since.

bodyhead's avatar

Just don’t go to freecreditreport.com because it’s not free. Legally, the main three credit reporting services are suppose to give you your credit scores once for free annually.

Just follow the links Mike put up there. I think annualcreditreport.com is the one I used a couple years back when I was checking my credit before I refinanced a loan.

PrancingUrchin's avatar

I know you asked for personal experience and I have none, but my girlfriend did use freecreditreport.com and bodyhead is somewhat right, it’s free as long as you opt out of their deal you within one week by phone. The phone call lasted her 45 seconds.

osakarob's avatar

quizzle.com will provide you with your credit score without asking for your SS number.

Mr_M's avatar

How is that possible?

unlvrebelx's avatar

www.equifax.com, www.transunion.com, and www.experian.com . Those sites are owned by the three major credit reporting bureaus in the U.S. and all three of their sites have the option to see your score for a fee…and all their sites offer an option to see all 3 credit reporting bureaus’ scores for an increased fee, in one report.

I believe annualreport.com and freecreditreport.com only give you a free credit report once a year….which is not the same as your credit score. You can see the factors that affect your score from the report, but have to pay an additional fee to see your score. freecreditreport.com may even be owned by one of the credit bureaus….regardless you can purchase your scores from those sites as well but will redirected to the bureaus’ sites.

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