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What website is for free credit score?
I am planning to buy to car but I want to check my credit report first. I want to know if there is any free credit score website that is legitimate to check for my credit score? Thank you for helping me.
Credit report and credit score are not the same thing.
This website went into effect when the US govt basically said that everyone in the US should have access to their credit report for free, once a year. From there you can grab your credit report from each of the Big 3. My suggestion would be to grab a report from one now, and then every four months grab one from another. ie Equifax today, TU in 4 months, Experian 4 months later, then back to Equifax in four more months. Credit reports show activity, all your lines of credit, bad things on your credit, etc. Check it as stated above and if you see anything suspicious, call that credit reporting company. If you have been denied credit, you have a right to see your credit report for free w/i 60 days.
As to credit score, depends on who is doing the scoring. Different financial institutes use different methods of determining your score. FICO is easily the most common. This is what is generally used to determine the maximum amount of credit they will offer as well as the interest rate. Call your bank and tell them you want to get a car loan, they will process your application and give you all those details. Then you can compare those to what a dealership will offer. CreditKarma offers a free credit score which is suppose to be somewhat close to what your FICO score would be, and it seems to be a fairly well regarded website.
Havent you heared the Catchy Jinggle?.... "Freecreditreport.com"
Noooooo! STAY WAY AWAY from freecreditreport.com! It is a ripoff!
Under federal law, the ONLY place to get your credit reports for free is https://www.annualcreditreport.com/cra/index.jsp. You are allowed one free credit report every year from each of the three main credit-reporting agencies -- Equifax, Experian and TransUnion.
Do not call your bank and initiate a car loan application just to get your credit score. This will cause what's called a "hard inquiry" on your report and will lower your score.
I didn't say just to get the FICO. He's gotta get a loan somewhere, might as well start with your primary bank. And people grossly overestimate the hit your score takes from a hard inquiry. It's shopping around at various lenders and dealers over a prolonged period that would really do damage.
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