Credit Reports Credit Score

Sep 25
2010

credit reports credit score
How can I just check my FICO combined credit SCORE without the reports?

I get my credit reports from Lifelock every year, but they are just the reports – no score is included. I would love to know the score, but since I’ve already had my “one” per year through lifelock, I don’t know if the credit report web sites will allow that….and if so, there’s still alot of hassle with signing up and cancelling the ongoing monitoring…..any suggestions?

You can access your free annual credit reports from each of the three credit bureaus online thru AnnualCreditReport.com. This is the site mandated by the FTC. The reports are free, scores are not.

You can purchase your FICO score with your Equifax report for $8. You can also get FICO scores for Equifax and TransUnion at MyFico.com. Consumers cannot get FICO scores for Experian any more. Creditors use FICO, so don’t waste money on any other score. The TransUnion and Experian sites use Vantage scores (scale to 990 vs FICO’s 850). Third party monitoring services use FAkko scores.

CreditKarma.com and Quizzle.com offer free score estimators based on different credit reports. They are not FICO, but sorta like FICO, give or take 50 points or so. Good enough if you are just curious about your score.

By the way, Lifelock is a complete waste of money. Instead of paying those monthly fees, just freeze your credit with each of the three credit bureaus. It’s cheaper and more secure. You have to pay to unfreeze and refreeze if you apply for credit, but that’s a lot less than those monthly fees you pay to Lifelock.

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