i pulled my credit report last night - Page 2 - GoFuckYourself.com

After Shock Media · 05-22-2006, 12:07 PM

Quote:

Originally Posted by pocketkangaroo

Oh, and one other thing. What is the best place to pull a one time credit report online? I don't want to get into some monthly bullshit plan. Just want to view my comprehensive credit report.

http://www.annualcreditreport.com/ if you are in the US you are now entitled to view your credit reports once per year for free from each of the three companies. You can access one, two, or all three here for no cost at all. They do not include your FICO score for free as that was not required by the law. So just go to that site, enter in all your proper info and view and print them out. Just watch out for upsells (read everything before you click it). Also always go back to http://www.annualcreditreport.com/ to go to another company. The site requires no billing info at all.

Gaybucks · 05-22-2006, 12:24 PM

Quote:

Originally Posted by p1mpdogg

i pulled my score directly from experian and it was 50 points higher than mycreditkeeper and i pulled the reports 10 minutes from eachother. dont tell me a score drops 50 points bcause of 2 credit pulls. it doesnt.
word up

It's because each of the three bureaus uses a different scoring algorithm. Mine had almost 100 points difference with one bureau between their "proprietary" score and the actual FICO.

The only way to be sure you're getting the actual FICO is to go to myfico.com and get it straight from Fair, Isaac. And pulling your own report WILL NOT impact your score at all.

edgeprod · 05-22-2006, 03:10 PM

Quote:

Originally Posted by V_RocKs

(edit) Actually I can buy a new car which brings me back to the beginning. I found a used car on the lot that I loved and bought it in cash. They were like, Ohh shit, sorry, didn't know you had money just lying around... We can sell you the new one for about twice the price of that one and if you pay it in cash we can possibly add in some free upgrades for ya... FUCK YOU! Just give me my damn used car and I'll be on my fucking way, asshole.

Sucks when you make 8 times what the loan guy makes and he declines you...

That's the general annoyance. They didn't want to KNOW me, but after I paid cash, they're like my best friend. Makes me sick.

I agree, re: the loan guy. They build little kingdoms, and then act like dicks.

sextoyking · 05-22-2006, 03:50 PM

Trey,

Best place to check your credit reports on a daily basis, and you can pull all 3 every 24 hours (new reports) is, www.truecredit.com

Like 12.00 per month or so.

Now on Truecredit the scores are not fico scores, we call them FAKO scores.. They are not your real scores and could be up to + or - 100 points or so from your true fico scores. But it gives you an idea of where your scores are..

Only way to see your true fico scores are at, www.myfico.com

Experian scores are fako, trans Union Scores are Fako. If you have Equifax Score power, then that is a true fico score, well credit card enhanced, but close enough.

You can pull your reports a thousand times per day and it will never ever effect your score.

Only "hard" inquires effect your score, when you pull your reports it's a soft inq and other companies never see that you pulled.

For util. Purposes always keep your total revolving balance under 50%, best to always keep it under 30% if you can.

Installment loans, i.e. Cars, homes, etc don't effect your util really for fico purposes.

Thanks

Todd

05-22-2006, 03:50 PM	#54
sextoyking Confirmed User Industry Role: Join Date: Dec 2001 Location: Portland, OR. Posts: 6,034	Trey, Best place to check your credit reports on a daily basis, and you can pull all 3 every 24 hours (new reports) is, www.truecredit.com Like 12.00 per month or so. Now on Truecredit the scores are not fico scores, we call them FAKO scores.. They are not your real scores and could be up to + or - 100 points or so from your true fico scores. But it gives you an idea of where your scores are.. Only way to see your true fico scores are at, www.myfico.com Experian scores are fako, trans Union Scores are Fako. If you have Equifax Score power, then that is a true fico score, well credit card enhanced, but close enough. You can pull your reports a thousand times per day and it will never ever effect your score. Only "hard" inquires effect your score, when you pull your reports it's a soft inq and other companies never see that you pulled. For util. Purposes always keep your total revolving balance under 50%, best to always keep it under 30% if you can. Installment loans, i.e. Cars, homes, etc don't effect your util really for fico purposes. Thanks Todd __________________ ICQ: 52344098 -------------------------------------- 50% Commissions on all Product Sales. http://www.wishing.com/money