Free Credit Report?

Discussion in 'Archived Threads 2001-2004' started by Robert_eb, Sep 4, 2002.

  1. Robert_eb

    Robert_eb Supporting Actor

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    I was told that you are allowed to look at your credit report free once a year but I don't remeber the service that does it. Would anyone happen to know the name or phone number of this service or a company that does this?
     
  2. Tim Abbott

    Tim Abbott Second Unit

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  3. Robert_eb

    Robert_eb Supporting Actor

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    Thanks
     
  4. Danny R

    Danny R Supporting Actor

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    Get all three. I've found that the information among them can differ, and you never know which one a creditor will ask.
     
  5. Ryan Wright

    Ryan Wright Screenwriter

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    Err, they're not really free:
    http://www.transunion.com/content/pa...reCriteria.xml
     
  6. Matt Pelham

    Matt Pelham Screenwriter

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    I ordered my credit report and Beacon score from equifax a while ago for under $15, best money I ever spent! Turns out I had a credit card in my name that I knew nothing about!
     
  7. Patrick Sun

    Patrick Sun Studio Mogul

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    What's considered a good credit rating number?
     
  8. Tim Abbott

    Tim Abbott Second Unit

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    Here is a rough breakdown:


    619 or below is poor

    620-639 = below average

    640-679 = average

    680-699 = good

    700-719 = very good

    720+ = excellent


    The rankings are by no means official, but it is a very good guide. The three credit agencies give different weight to different criteria, so its good to compare 2 or 3 scores as opposed to just one.
     
  9. Patrick Sun

    Patrick Sun Studio Mogul

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    Thanks for the info, I'm in excellent health. [​IMG]
     
  10. KyleS

    KyleS Screenwriter

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  11. Patrick Sun

    Patrick Sun Studio Mogul

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    It's one-side, but that's just because I'm cheap (and it was free), and didn't see the need to get all three at this point in time.

    Live debt free (besides a house mortgage) with a handful of credit cards with zero balances on each one, and you too can have a good credit score.
     
  12. CharlesD

    CharlesD Screenwriter

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    I recently looked at my credit (going to buy a house! [​IMG] ) and the bank ran reports from 3 different agencies and I was surprised by the varation. One score was 785 [​IMG] one IIRC 690-ish and one 660-ish. In any case so long as the score is over 620 my bank was willing to give me a mortgage.
    Now all I have to do is find a house and figure out if/how I can get out of my apartment lease which doesn't expire until next summer DOH!
     

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