Author Topic: What is the best way to self-check credit score?  (Read 1309 times)

GOFU

  • Stubble
  • **
  • Posts: 170
What is the best way to self-check credit score?
« on: March 26, 2018, 11:54:00 AM »
What is the best way to check one's credit score?

With whom should I do it most safely and securely?

Thanks!!

boarder42

  • Walrus Stache
  • *******
  • Posts: 7193
Re: What is the best way to self-check credit score?
« Reply #1 on: March 26, 2018, 11:59:21 AM »
credit bureaus let you request your report once a year.

Most other sources are not correct - but safety is all in what you make of it.   anything and anyone can be hacked.
My Miles Journal -Learn to Manufacture spend(MS)

Best bonuses on Credit cards right now
SW Plus Card 50k Bonus - use it with the Companion pass hack!

Personal Capital - Track your spending and Investing

sparkytheop

  • Pencil Stache
  • ****
  • Posts: 567
Re: What is the best way to self-check credit score?
« Reply #2 on: March 26, 2018, 12:02:45 PM »
I have three cards that allow me to see my credit score free on their website.  I've heard an argument that "it's not the same thing that will be used if you try to get a loan", but it's close enough for me, and my score is high enough that I just look at it every now and then as another form of monitoring my credit (if someone opened a card in my name, it would drop a little, so I'd know something was up).

Credit karma, when I have checked it out, has been very close to my score with the credit card companies, and it doesn't count as a credit check/hurt your score.

GOFU

  • Stubble
  • **
  • Posts: 170
Re: What is the best way to self-check credit score?
« Reply #3 on: March 26, 2018, 12:08:34 PM »
@boarder42  So I need to request a report separately from the big 3 credit reporting agencies? Is there a consolidated report that is reliable?

I get that anyone can be hacked, but I am looking for recommendations on where and how to minimize risk.

@sparkytheop  You are not worried about giving sensitive information to Credit Karma?

Thank you both.

boarder42

  • Walrus Stache
  • *******
  • Posts: 7193
Re: What is the best way to self-check credit score?
« Reply #4 on: March 26, 2018, 12:10:36 PM »
i have a credit karma site - who cares.  you're not gonna protect your info from everyone its out there.

credit karma and all the CC companies are notoriously incorrect though.  you said you wanted accurate - go to the bureaus - but then how good is there security. 

you want security get off the internet and go live in a cave connected to nothing.
My Miles Journal -Learn to Manufacture spend(MS)

Best bonuses on Credit cards right now
SW Plus Card 50k Bonus - use it with the Companion pass hack!

Personal Capital - Track your spending and Investing

MDM

  • Walrus Stache
  • *******
  • Posts: 8074
Re: What is the best way to self-check credit score?
« Reply #5 on: March 26, 2018, 12:17:30 PM »
Have you looked at https://www.annualcreditreport.com/index.action?

One way to proceed:
1) Get all 3 reports now
2) Get 1 of the 3 12 months from now
3) Get another of the 3 16 months from now
4) Get the last of the 3 20 months from now
5) Get each report one year after the last time you received that report.

Variations on that theme include:
1) Get 1 report now
2) Get a different report in 4 months
3) Get the third report in 8 months
4) Get each report one year after the last time you received that report.

GOFU

  • Stubble
  • **
  • Posts: 170
Re: What is the best way to self-check credit score?
« Reply #6 on: March 26, 2018, 12:26:29 PM »
I have three cards that allow me to see my credit score free on their website.

Thanks for this tip. I got a reading from my credit card company, which they say is "powered" by TransUnion. Good enough for my purposes now.

@MDM Thanks. I will investigate the link.

boarder42

  • Walrus Stache
  • *******
  • Posts: 7193
Re: What is the best way to self-check credit score?
« Reply #7 on: March 26, 2018, 12:31:21 PM »
I have three cards that allow me to see my credit score free on their website.

Thanks for this tip. I got a reading from my credit card company, which they say is "powered" by TransUnion. Good enough for my purposes now.

@MDM Thanks. I will investigate the link.

just know they are likely off by 40-100 points.
My Miles Journal -Learn to Manufacture spend(MS)

Best bonuses on Credit cards right now
SW Plus Card 50k Bonus - use it with the Companion pass hack!

Personal Capital - Track your spending and Investing

sparkytheop

  • Pencil Stache
  • ****
  • Posts: 567
Re: What is the best way to self-check credit score?
« Reply #8 on: March 26, 2018, 01:01:47 PM »
I have three cards that allow me to see my credit score free on their website.

Thanks for this tip. I got a reading from my credit card company, which they say is "powered" by TransUnion. Good enough for my purposes now.

@MDM Thanks. I will investigate the link.

just know they are likely off by 40-100 points.

I hear this, but that's never been the case for me.  Mine are within 20 points of each others (one has the 850 scale, the others use the 900 scale), and when I got a loan, they were within 15 points of what that company received when they requested my score.

I have a very high score though, so maybe it gets "sloppier" with other ranges.

sparkytheop

  • Pencil Stache
  • ****
  • Posts: 567
Re: What is the best way to self-check credit score?
« Reply #9 on: March 26, 2018, 01:04:10 PM »


@sparkytheop  You are not worried about giving sensitive information to Credit Karma?

Thank you both.

It's been a long time since I used credit karma, but I did some research before turning over my info, and I was satisfied that they were no less secure than anyone else out there, and they were highly recommended as a safe site to use (at the time, which was many years ago).

boarder42

  • Walrus Stache
  • *******
  • Posts: 7193
Re: What is the best way to self-check credit score?
« Reply #10 on: March 26, 2018, 01:37:17 PM »
I have three cards that allow me to see my credit score free on their website.

Thanks for this tip. I got a reading from my credit card company, which they say is "powered" by TransUnion. Good enough for my purposes now.

@MDM Thanks. I will investigate the link.

just know they are likely off by 40-100 points.

I hear this, but that's never been the case for me.  Mine are within 20 points of each others (one has the 850 scale, the others use the 900 scale), and when I got a loan, they were within 15 points of what that company received when they requested my score.

I have a very high score though, so maybe it gets "sloppier" with other ranges.

i have a very high score but travel hack a ton so my score is all over the place all the time -  but CK is usually high.
My Miles Journal -Learn to Manufacture spend(MS)

Best bonuses on Credit cards right now
SW Plus Card 50k Bonus - use it with the Companion pass hack!

Personal Capital - Track your spending and Investing

August26th

  • 5 O'Clock Shadow
  • *
  • Posts: 24
  • Location: Beautiful Colorado
Re: What is the best way to self-check credit score?
« Reply #11 on: April 26, 2018, 02:47:08 PM »
Annualcreditreport.com is the most accurate one out there, IMHO. You get one free credit report per year, and will pay about 8 bucks per bureau for the scores. The “free” monitoring services through credit cards are acceptable too, assuming you’re not trying to get a mortgage and need to know what your scores would be from a mortgage standpoint.