Paying to find out your credit score

posted 3 years ago in Money
  • poll: How much would you be willing to pay to find out your credit score?
    I wouldn't pay for it : (49 votes)
    38 %
    I would pay just so I know what it is : (13 votes)
    10 %
    I would only pay if there was a specific reason : (26 votes)
    20 %
    up to $5 : (7 votes)
    5 %
    up to $10 : (15 votes)
    12 %
    up to $25 : (13 votes)
    10 %
    up to $50 : (5 votes)
    4 %
    up to $100 : (0 votes)
    up to $200 : (0 votes)
  • Post # 4
    Member
    494 posts
    Helper bee
    • Wedding: May 2015

    Credit Karma is a free site you can sign up for and view your score… FI and I both use it.  It’s the only free one I know of. 

    Post # 6
    Member
    237 posts
    Helper bee
    • Wedding: November 1999

    You’re entitled to a free credit report. Annualcreditreport.com links to the three credit reporting services. Or you can go to Equifax, Experian, and Transunion individually. You don’t have to pay anything for your credit report.

     

     

    Post # 8
    Member
    11300 posts
    Sugar Beekeeper
    • Wedding: August 2013

    @christineandjohn:  Your score and your report are two different things. You can get your reports for free once a year, but you always have to pay for your score.

    @ama0219:  CK is actually not accurate–mine is about 50 points lower than the score that I paid for.

    Post # 9
    Member
    91 posts
    Worker bee

    I paid for it because I was getting weird calls from collection agencies asking about people who don’t live with me. Just wanted to make sure there were no errors or worse, some fraud going on. It was like $15-something for the Equifax (I think) report. It included the score and the detailed report.

    Post # 10
    Member
    1148 posts
    Bumble bee
    • Wedding: June 2011

    I do the annual free credit report thing, just to make sure everything looks like it’s supposed to. As far as my score, if you apply for a credit card to like a Target or some store, I’ve always gotten a letter saying what my score was, or told in store. So I guess in a roundabout way I end up paying to find out!

    But I wouldn’t pay more than $10 if I absolutely wanted/needed to know.

    Post # 12
    Member
    753 posts
    Busy bee
    • Wedding: December 2014

    If you do choose to pay for it, only pay on the official credit bureau website (the place where you can get your credit report for free). Our lender told us that the other places that purport to give you a score basically make it up- it won’t be the same as if you tried to get a loan someplace. But, I’ve never paid for it, and don’t see the necessity- unless there was something bad/ a lot of things bad on there, and I was worried about getting into an apartment that checks, or something.

    Post # 13
    Member
    1148 posts
    Bumble bee
    • Wedding: June 2011

    @AB Bride:  Hmm, I don’t know, I guess I have been, maybe they aren’t supposed to? Like when my husband got denied an in-store credit card, he was sent his score and explained that it was too low.

    Post # 16
    Member
    3199 posts
    Sugar bee
    • Wedding: October 2013

    @christineandjohn:  +1. according to law the 3 credit bureaus are required to provide you with free credit reports. i just ordered mine and two of the three contained my score by default. i contacted the dept of commerce to find out how i get it and they told me the only way to request it is annualcreditreport.com

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