Free FICO score
There is no free lunch as they say, but at the very least, you can get your free FICO score and from a reputable place. Needless to say, there is a caveat, but you can get around it. By going to myFICO you can order your free FICO Score and begin 10-day trial membership in Score Watch. It costs $14.95 per month unless you cancel this membership within the first 10 days.
You would have to put your Social Security Number and date of birth, so as long as you are comfortable providing those online, make sure you use a secure computer and personally, I would take Mozilla FireFox over Microsoft Explorer while doing it.
Also remember, that you only get two FICO scores, from TransUnion and Equifax, because Experian left FICO awhile back. This is the current deal, it may last for some time or may not. As far as Experian credit score which can be considered a valid component to complete the free FICO score picture, you currently can not get any, for free that is. At least, I could not find it.
I checked most if not all current offers among credit cards, credit unions, banks and various peer-to-peer lending networks that I could find, and they would only give FAKO scores. Trying to figure it out is hard because different names and numbers are used, so you have to take my word on it or check yourself.
The other way to get your free FICO scores and Experian score is to apply for a mortgage, especially if you already own your property. Most if not all lenders will run all 3 credit reports right away - TransUnion, Equifax and Experian, getting your credit report with real scores. If your mortgage application is denied, the lender will furnish all 3 scores within 30 days. If you are approved, just ask nicely among other matters while discussing your possible options, and they will tell you what the scores are. Then of course, you don't have to refinance unless the terms fit your needs. If you choose to proceed with refinancing, you can ask for scores and I am sure, get them.
Of course, buying a property requires a lot more effort than refinancing an existing one. If you think it is worth getting the scores, you can always try to get one lender or another to prequalify you and learn at least one free FICO score.
Sat Apr 2, 2011 12:04PM | Copyright: www.bad-credit-advisor.com | More in Credit Score Help | Comments (0)
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