AnnualCreditReport.com provides consumers with the secure means to request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies in accordance with the Fair and Accurate Credit Transactions Act (FACT Act).
You can also get a free report one time by signing up for a trial with one of the other sites. Use a virtual credit card and cancel within 14 days and there are no worries. You will truly only be able to get it once though as they keep track by SS # even 10 years later.
Quizzle.com will also give you a free credit and FICO score every six months. I think it only works with Experian though.
The score Quizzle gives is pretty worthless...
Quizzle gives you a CE Credit Score that’s based on your credit report from Experian, one of the three major credit bureaus. The score’s scale is 350 (minimum) to 850
(maximum). Basically adding another company access to your data without any significant gain. No lender uses the CE score.... LOL
This is for smart consumers....Better off paying a fee at MyFico.com and using the annualcreditreport.com site.
AnnualCreditReport.com is the official site to help consumers to obtain their free credit report.
FICO is the key to your financial goals 90% of all lenders use your FICO® Score for credit decisions.
A 100-point difference in your FICO Score could mean over $40,000 extra in interest payments over the life of a 30-year mortgage on a $300,000 home loan.
Take an active role in maintaining and improving your financial health.
For misinformation? Shane states is a FICO score, Its NOT a FICO score and you already get a FREE credit report from all 3 bureaus.... its worthless as the CE credit score it gives has no bearing on lender approvals.
Basically its a six month Experian report with a worthless score. People who think its FICO score are in for a big disappointment.
The government site gives you all three REPORTS annually....
So you and your wife and your SIX credit reports annually can pull a new one EVERY TWO MONTHS by cycling though all the bureaus.
Or if you live alone EVERY FOUR MONTHS.
Much better use of time than focusing on so me fly by night Quizzle that only offer you an Experian report and some proprietary unused score system.
FICO is the only score worth getting.
Quizzle is NOT FICO its just a company trying to acquire you data.to market to you. Stay away.
If you want something like that...Credit Karma lets you check daily. But it is what it is.... good for a spot check whenever. Does not replace actual credit reports and fico scores.
Last edited by boltman2007; 07-30-2012 at 09:09 AM..
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