OT: (Sort of) Credit Check Services
12-15-2004, 03:43 PM
#1
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OT: (Sort of) Credit Check Services
I want to check my credit, and monitor it. What is the best service for this? I plan to take a loan out for building my house in Maine and I want to know were I stand before I go to the banks.
Jon
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12-15-2004, 05:22 PM
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Re: OT: (Sort of) Credit Check Services
Originally Posted by Troutly
PS....you should run a credit check on yourself at least once every six months to watch for identity and/or credit theft.
AOL offers free credit checks with Experian, and you can get all three plus a "notification alert" if anything changes for a small fee. I have it.
12-15-2004, 05:28 PM
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Re: OT: (Sort of) Credit Check Services
Originally Posted by Troutly
Around here it is Experian ( www.experian.com ), Equifax ( www.equifax.com ), and Trans Union ( www.transunion.com ) . I know you can get all three checked at once through Experian.
Last edited by frequentflyer; 12-15-2004 at 05:34 PM.
12-15-2004, 05:48 PM
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Re: OT: (Sort of) Credit Check Services
www.freecreditreport.com is by Experian. Not sure about other states, but they have extended the free credit check that will become madatory (phased in over time by state) to Texas for the Month of December only.
You can get your report, but have to pay $5 if you want the score. You can also get the other 2 but you'll pay much more for them.
You can get your report, but have to pay $5 if you want the score. You can also get the other 2 but you'll pay much more for them.
12-15-2004, 06:17 PM
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Re: OT: (Sort of) Credit Check Services
Here's one you can try for the first 30 days for free and it gives you info on all three agencies and scores. It even has a function to advise you on the "what if I did this" scenario's. I have used it and it's pretty good.
https://www.creditmonitoring.citi.co...h/MainPage.asp
Dave
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https://www.creditmonitoring.citi.co...h/MainPage.asp
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12-15-2004, 06:20 PM
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Re: OT: (Sort of) Credit Check Services
Becareful of checking your scores to much, that is considered an inquiry and your credit score actually will go down!!!! 
12-15-2004, 06:23 PM
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Re: OT: (Sort of) Credit Check Services
Originally Posted by Spicy
Becareful of checking your scores to much, that is considered an inquiry and your credit score actually will go down!!!!
I set up the monitoring deal through Experian. It's under $10 a month and will let you know if anyone pulls your credit or anything pops up on your report. Pretty cheap piece of mind in this day and age.
12-15-2004, 07:33 PM
#9
Geronimo36
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Re: OT: (Sort of) Credit Check Services
I used www.myfico.com once and didn't have any problems with it.
12-15-2004, 08:03 PM
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Re: OT: (Sort of) Credit Check Services
Originally Posted by Audiofn
I plan to take a loan out for building my house in Maine ...Jon
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