It depends on where you got your credit report from. Some companies give you one or the other i.e your score or the report. You may have to order the score separately and some companies offer both at a price.
[addsig]
Yes most of the time you must order the score separtly, and at a higher price. The credit reports you are entitled to receive for free do not contain scores.
The only way to receive free scores I've seen is using some sort of promotional offer for montly credit monitoring or such.
Free reports I received gave me details of credit activities. I asked my loan officer to send me a copy of the report he pulled out; that had the score
I monitor my credit for a monthly fee of $9.95/mo. through experian. The site is www.creditexpert.com. It has a 30 day free trial. It's a great way to monitor your credit without having to create inquiries. It's a small price to pay to stay on top of things.
Beware of websites that sell you your credit score. The only place to get your true FICO score (the one used when going for a mortgage) is at myfico.com. Sometimes services owned by the credit bureaus themselves sell you scores that are not accurate (just representations of what that particular company thinks your credit score is based on your accounts).
Mario11779 is correct. I have found that a lot of these so-called "offers" give you one credit score and then when you pull your credit a day later, the actual score is 20 - 60 points off. As well as myfico, you can get credit scores from the websites of each of the three bureaus: Experian, Equifax or Trans Union. for a fee. You could also order a three-in-1 score report from any of these sites for a higher fee.
It depends on where you got your credit report from. Some companies give you one or the other i.e your score or the report. You may have to order the score separately and some companies offer both at a price.
[addsig]
Yes most of the time you must order the score separtly, and at a higher price. The credit reports you are entitled to receive for free do not contain scores.
The only way to receive free scores I've seen is using some sort of promotional offer for montly credit monitoring or such.
Free reports I received gave me details of credit activities. I asked my loan officer to send me a copy of the report he pulled out; that had the score
I monitor my credit for a monthly fee of $9.95/mo. through experian. The site is www.creditexpert.com. It has a 30 day free trial. It's a great way to monitor your credit without having to create inquiries. It's a small price to pay to stay on top of things.
Does anyone use www.myfico.com? I heard Suze Orman talk about them one.
I was home sick
Beware of websites that sell you your credit score. The only place to get your true FICO score (the one used when going for a mortgage) is at myfico.com. Sometimes services owned by the credit bureaus themselves sell you scores that are not accurate (just representations of what that particular company thinks your credit score is based on your accounts).
Sincerely,
Mario Costanz
Mario11779 is correct. I have found that a lot of these so-called "offers" give you one credit score and then when you pull your credit a day later, the actual score is 20 - 60 points off. As well as myfico, you can get credit scores from the websites of each of the three bureaus: Experian, Equifax or Trans Union. for a fee. You could also order a three-in-1 score report from any of these sites for a higher fee.
JS.
FYI you can get your myFico score (single Fico with one agency) with a perk:
Enter Promotional Code: myFico144
For 20% of your entire order. Just verified that it works.