Is there any way to check my credit rating for free?

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  • fatfoo
    ICQ:649699063
    • Mar 2003
    • 27763

    #1

    Is there any way to check my credit rating for free?

    In the past I used a site that charged $10 to check my credit rating.

    Anybody know if I can check my credit rating for free?
    Send me an email: [email protected]
  • L-Pink
    working on my tan
    • Mar 2005
    • 39151

    #2
    I'll do it for you, post all your personal information ......


    .

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    • Farang
      one sick puppy
      • Oct 2004
      • 11713

      #3
      yes, ask on craigslist
      fbm

      Comment

      • PornMD
        Mainstream Businessman
        • Jan 2007
        • 9291

        #4
        http://www.annualcreditreport.com

        That's the actual one from the govt so they won't make you sign up to shit to get it.
        Want to crush it in mainstream with Facebook ads? Hit me up.

        Comment

        • cyco_cc
          Confirmed User
          • Oct 2008
          • 344

          #5
          Originally posted by fatfoo
          In the past I used a site that charged $10 to check my credit rating.

          Anybody know if I can check my credit rating for free?
          You are entitled to one free credit report per year, IIRC. Google it.

          Comment

          • NextBigTube
            Confirmed User
            • Oct 2008
            • 352

            #6
            Originally posted by cyco_cc
            You are entitled to one free credit report per year, IIRC. Google it.
            But that doesn't include the credit rating. You still have to pay someone to get that.

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            • Iron Fist
              Too lazy to set a custom title
              • Dec 2006
              • 23400

              #7
              Pretend your getting a car loan and be friendly to the loan officer.... build up some good rapport and when they are pulling up your credit report, just ask them politely if you couldn't just take a peek at it.. or ask some stupid questions.

              Then cancel the paperwork and walk out of the dealership.
              i like waffles

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              • fatfoo
                ICQ:649699063
                • Mar 2003
                • 27763

                #8
                Originally posted by L-Pink
                I'll do it for you, post all your personal information ......


                .
                Yeah? And how would you do that? Where do you find out credit rating and what info usually is asked?
                Send me an email: [email protected]

                Comment

                • fatfoo
                  ICQ:649699063
                  • Mar 2003
                  • 27763

                  #9
                  Originally posted by PornMD
                  http://www.annualcreditreport.com

                  That's the actual one from the govt so they won't make you sign up to shit to get it.
                  Thanks, PornMD. But, I'm looking for a site for Canada. This site looks like it's only for USA.
                  Send me an email: [email protected]

                  Comment

                  • fatfoo
                    ICQ:649699063
                    • Mar 2003
                    • 27763

                    #10
                    I think my credit rating is very good, because I payed off many thousands of dollars of debt.
                    Send me an email: [email protected]

                    Comment

                    • ganjaman
                      So Fucking Banned
                      • Jan 2002
                      • 2292

                      #11
                      looks good so far

                      Comment

                      • fatfoo
                        ICQ:649699063
                        • Mar 2003
                        • 27763

                        #12
                        Originally posted by sharphead
                        Pretend your getting a car loan and be friendly to the loan officer.... build up some good rapport and when they are pulling up your credit report, just ask them politely if you couldn't just take a peek at it.. or ask some stupid questions.

                        Then cancel the paperwork and walk out of the dealership.
                        So, what you're saying is the dealership would pay $10 or whatever amount to check the credit rating. And then you can walk out.
                        Send me an email: [email protected]

                        Comment

                        • pamon
                          Confirmed User
                          • Dec 2007
                          • 3113

                          #13
                          As someone who's been in the credit industry for 15+ years during my dayjob, here's the scoop. Annualcreditreport.com is the best one for a once a year look at your credit and to make sure all is good. Three credit bureaus exist (Experian, Equifax, Transunion). Your FICO scores are "only" available via myfico.com through an arrangement. Experian doesn't offer FICO scores to the public, only banks and finance companies.

                          There are tons of monitoring services out there. Just be sure to read the T&C's on each and see what they monitor and for how much.

                          Hope that helps
                          Email: [email protected]
                          TG: Davidamodt
                          US Adult Content & Porn Writer Project/Sites/Tubes/Reviews & More

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                          • Wagerboy
                            Confirmed User
                            • Jul 2006
                            • 2290

                            #14
                            Originally posted by sharphead
                            Pretend your getting a car loan and be friendly to the loan officer.... build up some good rapport and when they are pulling up your credit report, just ask them politely if you couldn't just take a peek at it.. or ask some stupid questions.

                            Then cancel the paperwork and walk out of the dealership.
                            Your a fucking dick. You are the guy that dealerships make HUGE profits on, cause you thing you have a clue, but really when it comes down to it, your just a douchebag. If you had a clue how the car biz worked or credit for that matter, you would shit yourself. Great advice you just gave. lol.....jerk off.
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                            • Wagerboy
                              Confirmed User
                              • Jul 2006
                              • 2290

                              #15
                              ooh and theres NO WHERE ONLINE you can get your true score. only auto and mortgage companies get a TRUE score. Use a free service and subtract 100-150 points, thats usually close to your score. Free reports use a "guess score" and raise it to make you think your credit is higher and needs protecting, thus making them money.
                              The Main Program That Makes Me Fucking Money!!

                              Teens Getting Pounded

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                              • cyco_cc
                                Confirmed User
                                • Oct 2008
                                • 344

                                #16
                                It's true you can do the car dealership thing, but is your time really worth less than the $10 it would cost to run it on your own?

                                You can estimate your FICO score here: http://www.bankrate.com/calculators/...alculator.aspx I used this before buying my last car and the score that the rep came back with was in this range.

                                I dunno about a 100-150 point discrepancy. That seems exaggerated and has not been my experience using online reports and getting data from dealerships, when I bought my house, etc. However, I'm sure the auto industry gets a different type of score that has parameters that a "regular" credit score doesn't take into account.

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                                • Iron Fist
                                  Too lazy to set a custom title
                                  • Dec 2006
                                  • 23400

                                  #17
                                  Originally posted by fatfoo
                                  So, what you're saying is the dealership would pay $10 or whatever amount to check the credit rating. And then you can walk out.
                                  No the dealership has a link straight to every credit bureau. That's how they make financing decisions on the spot.
                                  i like waffles

                                  Comment

                                  • Iron Fist
                                    Too lazy to set a custom title
                                    • Dec 2006
                                    • 23400

                                    #18
                                    Originally posted by Wagerboy
                                    Your a fucking dick. You are the guy that dealerships make HUGE profits on, cause you thing you have a clue, but really when it comes down to it, your just a douchebag. If you had a clue how the car biz worked or credit for that matter, you would shit yourself. Great advice you just gave. lol.....jerk off.
                                    You need to switch to decaf.

                                    Really.

                                    Because you know nothing about me or my motives for posting on GFY, so fuck off hater.

                                    i like waffles

                                    Comment

                                    • pamon
                                      Confirmed User
                                      • Dec 2007
                                      • 3113

                                      #19
                                      myfico actually gives you a Fico score that is within 20/30 pts of your score that banks/lenders use. There are 100+ versions of scores within the FICO system and banks subscribe to whatever one they feel assesses risk best.

                                      Generally an auto enhanced score is what dealerships pull and it's a lot higher than what a bank looks at for lending. I've bought auto paper in the past and customers say I have a 750 score when it's a 660 on our end.
                                      Email: [email protected]
                                      TG: Davidamodt
                                      US Adult Content & Porn Writer Project/Sites/Tubes/Reviews & More

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                                      • ErectMedia
                                        Confirmed Chicago Pimp
                                        • Aug 2004
                                        • 7100

                                        #20
                                        I use http://www.truecredit.com/ but I'm in the US, it monitors all 3 for any changes to your reports and gives you all 3 credit scores that you can update once a month, it emails you if any changes happen or if you bust over your credit limit accidentally etc... I took the free trial and have been paying $14.95/month now for over 2 years as my credit use to be not so hot but now it's pretty damn good so I wanna keep it that way, one of their email alerts did actually save my ass once.
                                        Last edited by ErectMedia; 12-20-2009, 12:09 AM.

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                                        • BAKO
                                          https://traffichaus.com/
                                          • Jul 2005
                                          • 18478

                                          #21
                                          I check my shit on myfico.com its 15 bucks but you gte bunch of details
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                                          Telegram: @bakokaye

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                                          • Phil
                                            Confirmed User
                                            • Jan 2004
                                            • 7659

                                            #22
                                            experian.com
                                            Ask Phil

                                            Comment

                                            • knobish
                                              Registered User
                                              • Aug 2009
                                              • 53

                                              #23
                                              That'd work, but you dont have to ask for a peek. Tell them to give you a copy, cause you're entitled to it. At least it was that way when we ran credit the mortgage company. Youll have 3 scores, go off the middle score. They might be going off the low now, idk.


                                              Originally posted by sharphead
                                              Pretend your getting a car loan and be friendly to the loan officer.... build up some good rapport and when they are pulling up your credit report, just ask them politely if you couldn't just take a peek at it.. or ask some stupid questions.

                                              Then cancel the paperwork and walk out of the dealership.
                                              Asian Peddler of Porn Videos.

                                              Comment

                                              • Wagerboy
                                                Confirmed User
                                                • Jul 2006
                                                • 2290

                                                #24
                                                Originally posted by sharphead
                                                You need to switch to decaf.

                                                Really.

                                                Because you know nothing about me or my motives for posting on GFY, so fuck off hater.

                                                Your correct, I do not know anything about you. I do know however that you advise to go waste a car dealerships time, money to run credit so you can "peek". They arent going to show you. It varies by state laws, but in NY you can not give a copy of a credit report to a customer. There is one real credit report and only auto lenders and mortage companies get it. The websites you pay for your score give you a guess on your scores. Read the fine print on such websites. Im not a hater, just hate people that would give such retarded advise.
                                                The Main Program That Makes Me Fucking Money!!

                                                Teens Getting Pounded

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                                                • SmokeyTheBear
                                                  ►SouthOfHeaven
                                                  • Jun 2004
                                                  • 28609

                                                  #25
                                                  first you sign up for all the free porn memberships you can find, then change your credit card phone number to your credit card companies help line and fleee the country for several years. I can guarantee your credit rating will be rated very shitty when you return.
                                                  hatisblack at yahoo.com

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                                                  • Vendzilla
                                                    Biker Gnome
                                                    • Mar 2004
                                                    • 23200

                                                    #26
                                                    I have a real esate person, I just call her and she'll get it for me any time I need it
                                                    Carbon is not the problem, it makes up 0.041% of our atmosphere , 95% of that is from Volcanos and decomposing plants and stuff. So people in the US are responsible for 13% of the carbon in the atmosphere which 95% is not from Humans, like cars and trucks and stuff and they want to spend trillions to fix it while Solar Panel plants are powered by coal plants
                                                    think about that

                                                    Comment

                                                    • PornMD
                                                      Mainstream Businessman
                                                      • Jan 2007
                                                      • 9291

                                                      #27
                                                      Originally posted by fatfoo
                                                      Thanks, PornMD. But, I'm looking for a site for Canada. This site looks like it's only for USA.
                                                      Ah, sorry...I have no idea what to say then, as I'm sure that's probably true for a lot of the credit score sites I'm aware of.
                                                      Want to crush it in mainstream with Facebook ads? Hit me up.

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