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Great find, credit score

Discussion in 'Off-Topic Discussion' started by dYL0n, Feb 11, 2012.

  1. Feb 11, 2012 at 7:14 AM
    #1
    dYL0n

    dYL0n [OP] ระดับอาวุโส สมาชิกอาวุโส

    Joined:
    Jan 14, 2011
    Member:
    #49250
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    First Name:
    Dyl0n
    New Orleans, LA
    Vehicle:
    2wd. Auto. Cool Suspension.
    Maxtrac Spindles Fox 2.0 Coilovers TC UCA's All Pro Expo Fox 2.0 rear
    So, all of those lame ass commercials we hear about "free credit report". What the catch is, it's your credit report, not score. They charge you a damn dollar for your score. So last night, I was doing some research on ways to obtain my credit score for free. I came across www.creditkarma.com. It gave me a breakdown of every credit score I have (insurance, loans, cards, etc.,) and what cards I have good chances of getting apporoved for. This was a great service for me, due to the fact I'm 21 and will need to apply for a mortage soon :eek:. But don't use freecreditreport.com because it does nothing more than give you a credit report, not your score. Now, the only downfall to this site, It doesn't give you your FICO score. FICO is what the banks look at. The 3 credit bureaus, give you a credit score. 2 of them are FICO, and the other, i don't know what it is, but it isn't FICO. But after looking this up, the non-FICO score, is usually in +/- 10 points. The only information I gave them was name, email, address, and the last 4 of my social.

    Well, I'm young, and don't pay for much on credit. My score is 695. What's yours?

    No, I'm not affilaited with creditkarma.com. I work and go to school.

    I probably got a lot of bad spelling in here.
     
  2. Feb 11, 2012 at 7:41 AM
    #2
    012tacoma

    012tacoma New Member

    Joined:
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    Dayton, Ohio
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    2012 Tacoma 4x4
    CreditKarma is awesome, use it all the time......DON'T trust the simulator though, its pretty inaccurate in my case.
     
  3. Feb 11, 2012 at 10:05 AM
    #3
    dYL0n

    dYL0n [OP] ระดับอาวุโส สมาชิกอาวุโส

    Joined:
    Jan 14, 2011
    Member:
    #49250
    Messages:
    1,364
    Gender:
    Male
    First Name:
    Dyl0n
    New Orleans, LA
    Vehicle:
    2wd. Auto. Cool Suspension.
    Maxtrac Spindles Fox 2.0 Coilovers TC UCA's All Pro Expo Fox 2.0 rear
    Yeah the sim was throwing me some crazy numbers too..

    everything else on that site is legit.
     
  4. Feb 11, 2012 at 11:25 AM
    #4
    The Driver

    The Driver Trail Runner/Barefoot Beach Runner/Snow Skier

    Joined:
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    Raph, and I'm from Tampa, FL.
    Lakewood (Green Mountain), CO. I'm from Tampa. I
    Vehicle:
    '02 Extra cab 4X4 TRD SR5
    Aftermarket tranny cooler, 5100 Series Bilsteins, Class 3 Hitch.
    When the my credit was pulled for the Taco loan, it was 740. When you get to 750, you get the best rates. Oh well, it was still 2.5% for a 10YO vehicle...
     
  5. Feb 11, 2012 at 2:09 PM
    #5
    dYL0n

    dYL0n [OP] ระดับอาวุโส สมาชิกอาวุโส

    Joined:
    Jan 14, 2011
    Member:
    #49250
    Messages:
    1,364
    Gender:
    Male
    First Name:
    Dyl0n
    New Orleans, LA
    Vehicle:
    2wd. Auto. Cool Suspension.
    Maxtrac Spindles Fox 2.0 Coilovers TC UCA's All Pro Expo Fox 2.0 rear
    750? Damn. I'm almost there!
     
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