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flawssin
02-22-2008, 01:34 AM
i see a lot of credit threads. this site might be helpful to some of you. it's free, no credit card information required. they make their money from ads. it doesn't give you a full break down of your credit score, just your transunion score.

www.creditkarma.com

use code:

CKFRND
axio
02-22-2008, 10:01 AM
... or you could just get your actual free report (http://en.wikipedia.org/wiki/Annualcreditreport.com) straight from the bureaus: https://www.annualcreditreport.com/
Belly
02-22-2008, 11:06 AM
... or you could just get your actual free report (http://en.wikipedia.org/wiki/Annualcreditreport.com) straight from the bureaus: https://www.annualcreditreport.com/

You don't get your credit score with that though.
You only get all three bureau's report. It's good to have both your reports and the scores, even though that website only offers transunion one. But hey, one is better than none.
grnlude97
02-22-2008, 01:17 PM
You don't get your credit score with that though.
You only get all three bureau's report. It's good to have both your reports and the scores, even though that website only offers transunion one. But hey, one is better than none.

True, the free credit report is only to see if there are mistakes and not to get your score. Also, Transunion sucks balls (because they are my lowest score lol)

Daniel :)
1999ebpsi
02-22-2008, 01:42 PM
dam 537?!?:gonk: last time i checked I was at 680 that ish cant be right lol
battousai
02-22-2008, 01:45 PM
dam 537?!?:gonk: last time i checked I was at 680 that ish cant be right lol

You best check yo shit :eek3dance.

I'm at 701.
Belly
02-22-2008, 02:15 PM
No way can this be right.
I'm at 826.
I knew I had excellent credit scores, but I thought it was only in the 780s.
battousai
02-22-2008, 02:18 PM
Wow.. that score is way up there :eek3:.

I fluctuate around ~700-730+ depending on my spending habits. How long did it for you to get around 780 and beyond?
Belly
02-22-2008, 02:22 PM
Wow.. that score is way up there :eek3:.

I fluctuate around ~700-730+ depending on my spending habits. How long did it for you to get around 780 and beyond?

I would say around 3-4 years. Closer to 4 I think.
1999ebpsi
02-22-2008, 02:43 PM
You best check yo shit :eek3dance.

I'm at 701.

Hmm well I know I got hit with a sears card back in 2000 but that is the only negative account I have on my credit. Can it drop it that low?:gonk:
hondab18eg6
02-22-2008, 02:44 PM
662... =/
chris_smith_07
02-22-2008, 03:11 PM
How accurate is that thing. I checked about 6 months ago and I was at like 590 because of credit issues. Now it said I had like a 680. Maybe it has to do with paying off my credit cards but who knows. I used to have like 3-4 that had a balance but now only 1 does and it is right around 2000.00
Ohdubbz
02-22-2008, 05:11 PM
wow, I thought I would have established very little credit by now. But 738 aint too bad on my part. I think its better than my parent's credit score.
RinasDaddy
02-22-2008, 06:15 PM
hmmm
flawssin
02-22-2008, 10:33 PM
its very accurate, i just got a loan 2 weeks ago and it gave me the same score..
Oni-San
02-23-2008, 08:28 AM
652? Is that good? I don't really have any established credit. Only one CC :dunno:
datboynamsays
02-23-2008, 10:39 AM
the range on this thing is 150-950...not 300-850 like most other reporting agencies
YoungNoob16
02-27-2008, 01:54 AM
784 out of 830. bad ass
TurboDANDEE
02-27-2008, 04:28 PM
734 woot
mnkyman
02-29-2008, 12:02 AM
correct me if im wrong, but i was watching cnn financial report and they were talking about all these "free credit report" commercials...and they were saying..dont do it that often because apparently every time you check your credit score, it can potentially lower it...

iono...just trying to pass on some info if it applies
gotjohno
02-29-2008, 01:38 AM
don't know if its accurate.
but if it is then woot i got a 735.
Belly
02-29-2008, 02:08 AM
correct me if im wrong, but i was watching cnn financial report and they were talking about all these "free credit report" commercials...and they were saying..dont do it that often because apparently every time you check your credit score, it can potentially lower it...

iono...just trying to pass on some info if it applies

when you check your own credit score (soft pull), it won't affect your credit score. If you have one of those credit monitoring services, you can update your credit score everyday and it won't lower your score.
When a lender checks your credit because you requested a credit like mortgage/credit cards, loans, etc (hard pull), then it will lower your credit score by a little.
datboyg713
02-29-2008, 04:51 PM
432....damn....:gonk:
VTi EG6
03-03-2008, 10:06 AM
700 :/
syntheticGT
03-03-2008, 10:27 AM
432....damn....:gonk:

damn...they gave you a score because you are supposed to have one.

christ thats low!
ThEsLoOnE
03-05-2008, 09:37 AM
825 nikka....i hope this shit is accurate
donniesd
03-05-2008, 09:41 AM
correct me if im wrong, but i was watching cnn financial report and they were talking about all these "free credit report" commercials...and they were saying..dont do it that often because apparently every time you check your credit score, it can potentially lower it...

iono...just trying to pass on some info if it applies


You can pull your own report. It will not lower it at all. If you go shoping for credit. Car loans, credit cards it will lower it. But pulling them yourself it does not.


Also i would use www.myfico.com to get them. While its not free. This is your true FICO score. Not a FAKO score. You can use promo code MW01 and get 20% off. I would not enter my SSN for a site being hosted on Godaddy.

I would not use this site.

http://creditboards.com/forums/index.php?showtopic=313789&hl=creditkarma.com
KoOAzNBoY
03-07-2008, 12:10 PM
You can pull your own report. It will not lower it at all. If you go shoping for credit. Car loans, credit cards it will lower it. But pulling them yourself it does not.


Also i would use www.myfico.com to get them. While its not free. This is your true FICO score. Not a FAKO score. You can use promo code MW01 and get 20% off. I would not enter my SSN for a site being hosted on Godaddy.

I would not use this site.

http://creditboards.com/forums/index.php?showtopic=313789&hl=creditkarma.com


whats the difference btween a fico and a fako score? sorry imma noob
KoOAzNBoY
03-07-2008, 05:52 PM
so i just used that creditkarma site... is it fake? and now they have my SS#?
dcgs-r
03-07-2008, 10:41 PM
639 is not bad for all the debt i have
lyttleviet
03-08-2008, 01:51 AM
so i just used that creditkarma site... is it fake? and now they have my SS#?

Man I sure hope not.. I used it before reading above... I got 773.... I wonder what that is compared to the real world -_-.
Jay Ridah
03-10-2008, 01:02 AM
just checked mines.. back in 2004 .. it was 640... now its 789... is it suppose to rise/drop at such a slow rate??
o0 ls/chic
03-12-2008, 04:09 PM
how bad is it if you have a negative account( meaning past due) on your credit report. I just checked mine and noticed a hospital bill from July 2007 was turned in an posted as a past due/outstanding/negative account.
:hsrun:
donniesd
03-12-2008, 04:26 PM
how bad is it if you have a negative account( meaning past due) on your credit report. I just checked mine and noticed a hospital bill from July 2007 was turned in an posted as a past due/outstanding/negative account.
:hsrun:

Very bad. Pay it. get a hold of the collection agency. 99% of the time if you pay it and they will remove it form your report. Get it in writing.
J Stuff
03-12-2008, 05:03 PM
i have 718 right now