<p>DH and I want to check our credit scores (all three scores for both of us). Which reports do you recommend? Thanks.</p>
<p>If you go to annualcreditreport.com, you can get your credit report free (I think once a year per company) but without a score. If you create an id with the three companies, sooner or later, you’ll start getting emails offering to show your credit score and alert you on edits to your report for a monthly fee, but with a free trial period - a few days. If you are not in a hurry to get your rating, you can do this, sign up and wait for the trial offer, see your score and cancel the subscription. You may also be able to get this trial offer on their web sites, but I’m not sure.</p>
<p>DW and I both have IDs with the companies, but not subscriptions, and every few months we sign in to annualcreditreport.com and look at one report to see if anything drastic has changed.</p>
<p>I order one free report for me and one for H each year, each from a different company and I rotate each year. Also, H has a Sears’ credit card and it offers a free credit monitoring service, with score, that I check monthly.</p>
<p>I like the ID idea and am going to look into it.</p>
<p>It is suggested that you check your credit report from each company every year. What I do is check one in January, one in May, and one in September; that way you are checking every 4 months, enough time to catch an error. Check the same company during the same month every year, that way you will remember to do it. </p>
<p>You do have to pay for your credit score and are given that option at the end of checking the credit report.</p>
<p>I believe <a href=“Annual Credit Report.com - Home Page”>Annual Credit Report.com - Home Page; is the only true free credit report; some of the other sites are bogus.</p>
<p>I check my report about once a year for all three which is free… at annualcreditreport.com… and then I buy a score from one place to see how it looks. It’s usually only a couple of dollars.</p>
<p>I recently applied for a credit card and along with my new credit card, the company also sent me my credit score for free. My husband got the same free score from the auto dealer when he bought his new car. We never paid for a credit score since we never cared but this is a pleasant surprise. The law must have changed in providing free credit score to consumers.</p>
<p>Thanks. I should have been more clear – we want to see scores as well as reports. </p>
<p>Last year we both checked our info directly with one of the credit bureaus, TransUnion I think. For $15 each, we got the score, the report, and a detailed analysis. But for all 3 bureaus, and for both of us, that would be $90. I’m not unwilling to pay that if I have to, but was looking for some kind of centralized reporting service which would give us all 3 reports/scores, hopefully for a smaller fee.</p>
<p>Use the above site and get your credit reports free and if you want, pay for just your score with one of them. There is no need to pay for your credit reports, and I see no reason to pay for your credit score with all 3 companies. The scores should all be within the same range assuming your credit reports are all correct. While each will give you an actually number that might be a bit different, I would bet they are in the same range. This isn’t the SAT’s where you can brag that you got an 800 on Math while your friend only got a 780; with your credit score, both numbers are the same!</p>
<p>BTW, you get the same detailed information when using annualcreditreport.com; I think my last one was close to 30 pages long!!</p>
<p>Make sure you’re actually getting your FICO score. Experian generally only gives you the PLUS score, which isn’t the one used by lenders. </p>
<p>[Lawsuit:</a> Credit score sites mislead consumers - The Red Tape Chronicles - msnbc.com](<a href=“http://redtape.msnbc.com/2011/04/lawsuit-experian-sells-misleading-credit-scores.html]Lawsuit:”>http://redtape.msnbc.com/2011/04/lawsuit-experian-sells-misleading-credit-scores.html)</p>
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<p>My credit union emails me my credit score every month for free. They say it is an Experian FICO score.</p>