How to get your credit score? And a pat on the back

[Kitzka]

Hi all

I know you are allowed a free credit report every year but does anyone now of a way to get a free credit score?

As some of you may know I recently bought a new car. With the help of a very genrous relative we were able to pay cash. But because of timing we had to pay by personal check. They wanted to run a credit check and I agreed and I was able to see my actual credit score.

I was thrilled to see my score was 701. I knonw that's not super high compared to others on here but 12 years ago I was a stupid college student who lived on credit and wasn't as smart at all about budgeting, paying bills etc. I am not ashamed to admit that it took me a full 7- 8 years to get my act in gear. My credit score was in the very low 400s (may have been 401) But for the past few years I have been paying and paying.

I do check my credit report yearly (and thanks to the wonderful folks on the dis I have learned so so much about budget, spending etc) but was wondering how I could see my credit score. I would like to get it in the high 760s if not higher. Also was thinking I would like to keep closer tabs on DHs credit score as well.

Thanks so much for all that you have done to help and all the advice I will receive in the future.

Lara

 

[Bren's Mom]

Way to go!

And to answer your question, no, you can't get a free credit score. And if you're offered one, it's not going to be a true FICO score...so it's worthless.

BUT, you can get it at myfico.com and there are often 20% off codes.

 

[Kitzka]

Thanks for the quick reply. Will look into the 20% on myfico.com

Lara

 

[eliza61]

Way to go!

And to answer your question, no, you can't get a free credit score. And if you're offered one, it's not going to be a true FICO score...so it's worthless.

BUT, you can get it at myfico.com and there are often 20% off codes.

FYI: New regulations went into effect yesterday. If you are turned down for credit or housing based on your credit score they now have to give you a free copy of your credit report with a credit score.

Unfortunately op, I don't think that will help you out.

 

[SandrA9810]

there's sometimes 30% off codes too. I think it was 11$ each to pull my aunt's scores. Check creditboards.com, there's a topic with current codes, and click on the myfico link within the boards.