Go Back   The Finance Forums > Finance forums > Credit Ratings



Credit Ratings Issues of credit ratings and credit scoring here.

Reply
 
Thread Tools
  #1  
Old 04-17-2006, 04:10 AM
Jay332 Jay332 is offline
Junior Member
 
Join Date: Apr 2006
Posts: 11
Default How to check your credit rating?

I never really have any idea what my credit rating is but I would like to find out.

How would I find out my Credit Rating, and is there a way to do it online?
Reply With Quote

Old Sponsors
  #2  
Old 05-10-2006, 06:04 AM
maisy maisy is offline
Junior Member
 
Join Date: Apr 2006
Posts: 21
Default Re: How to check your credit rating?

Isn't experian a site that deals with credit scorings?
Reply With Quote

  #3  
Old 05-11-2006, 08:57 AM
Melos Melos is offline
Junior Member
 
Join Date: May 2006
Posts: 9
Default Re: How to check your credit rating?

There are actually three credit agencies -- Experian, Equifax and Transunion. Many states allow you to get a free copy of one or all of your credit reports once a year or something like that. You should look into the rules and contact all three agencies.
Reply With Quote

  #4  
Old 05-12-2006, 06:15 AM
Finance Admin Finance Admin is offline
Administrator
 
Join Date: Apr 2006
Location: USA
Posts: 27
Default Re: How to check your credit rating?

I think in the UK there may be a charge - but not much.

If you want to get an idea of your credit rating, you could always just talk to your bank and see what they would be happy lending you - that should give some idea of how well or poorly they rate you for credit.
Reply With Quote

  #5  
Old 05-14-2006, 10:02 AM
Janine Janine is offline
Junior Member
 
Join Date: May 2006
Posts: 13
Default Re: How to check your credit rating?

Is there a rating scheme for credit ratings? If so I think mine must be in negative figures.
Reply With Quote

  #6  
Old 06-18-2006, 03:39 PM
Green Diva Green Diva is offline
Junior Member
 
Join Date: Jun 2006
Posts: 27
Default Re: How to check your credit rating?

There is a new law in effect as of last September 2005 I think that means everyone can get their credit reports for free. You used to have to pay for them in some states in the US
Reply With Quote

  #7  
Old 06-23-2006, 03:23 PM
Benji Benji is offline
Member
 
Join Date: May 2006
Posts: 82
Default Re: How to check your credit rating?

Yes, you can get one free credit report a year. Don't let certain advertising companies fool you - the only government approved site for a free credit report is www.annualcreditreport.com - you can reach them at 1-877-322-8228.

Other sites can get you similar information, but they will always get your credit card number first for services you probably don't need.
Reply With Quote

  #8  
Old 06-30-2006, 03:50 PM
Green Diva Green Diva is offline
Junior Member
 
Join Date: Jun 2006
Posts: 27
Default Re: How to check your credit rating?

Everyone is always trying to make a buck, aren't they. Irritating to say the least--especially when it's really free!
Reply With Quote

  #9  
Old 10-18-2006, 12:33 AM
matchbox20fan3 matchbox20fan3 is offline
Junior Member
 
Join Date: Oct 2006
Posts: 3
Default Re: How to check your credit rating?

That site gives you the report for free but you have to pay for the credit score, that is so silly looks like it would be on the report, and after all why should you have to pay for your own personel information.
Reply With Quote

  #10  
Old 10-18-2006, 05:32 PM
Plumley's Avatar
Plumley Plumley is offline
Junior Member
 
Join Date: Oct 2006
Posts: 23
Default Re: How to check your credit rating?

Quote:
Originally Posted by matchbox20fan3 View Post
That site gives you the report for free but you have to pay for the credit score, that is so silly looks like it would be on the report, and after all why should you have to pay for your own personel information.
I guess I should be grateful I no longer have to pay for the credit report but I resent having to pay for the credit score. It's like they lure you in with part of the information for free and charge you for the rest. Does anybody know of any promotions to get the score for free?
Reply With Quote

  #11  
Old 10-19-2006, 10:55 AM
tater03 tater03 is offline
Senior Member
 
Join Date: Oct 2006
Posts: 169
Default Re: How to check your credit rating?

I am really not sure how you can get a credit score for free. I did run across a site called E-LOAN: Mortgage Refinance, Home Equity, Auto Loans, Savings Accounts, CDs, Line of Credit, Home Loans, Second Mortgage, No Lender Fees that claims to give you your score for free. I actually didn't try it but you might want to check it out.

I do have a quick question about your credit score. Is it true that everytime you fill out an application for a credit card that your score goes down. And if that's true why is that?
Reply With Quote

Old Sponsors
  #12  
Old 01-06-2007, 05:58 PM
riskey58 riskey58 is offline
Senior Member
 
Join Date: Nov 2006
Posts: 100
Default Re: How to check your credit rating?

I have never checked my credit rating. I have thought about doing it but was never really sure how to go about it. Thank you for all your information. Now I think am going to try it.
Reply With Quote

  #13  
Old 01-06-2007, 08:21 PM
taiarain's Avatar
taiarain taiarain is offline
Member
 
Join Date: Oct 2006
Posts: 98
Default Re: How to check your credit rating?

I think the only way to get your credit score for free is to ask to see it when a business pulls your rating, like when you're opening a bank account.
Reply With Quote

  #14  
Old 08-03-2007, 07:27 PM
Mark00 Mark00 is offline
The Finance Forums
 
Join Date: Aug 2007
Location: London+UK
Posts: 4
Default Re: How to check your credit rating?

i recently checked mine and you don't need to pay if you use it for 30 days (its a free trial) - insurespot.co.uk has that service - hope this helps!
Reply With Quote

  #15  
Old 10-22-2007, 08:37 PM
Dgrocho Dgrocho is offline
Junior Member
 
Join Date: Oct 2007
Location: Flint, MI and Toledo, OH, USA
Posts: 3
Default Re: How to check your credit rating?

Last I did it, I used myFICO.com do the trial and it will give you your FICO score, which unless I am mistaken is your credit score
Reply With Quote

Reply

Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off



» Boards




All times are GMT -4. The time now is 05:16 PM.


Powered by vBulletin® Version 3.8.5
Copyright ©2000 - 2017, Jelsoft Enterprises Ltd.