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#3215055 - 04/06/13 11:47 AM Credit Score Question
farmin68
16 Point


Registered: 11/08/03
Posts: 13510
Loc: In a tree clinging to my guns ...

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Totaled my car yesterday and now I have to get another ASAP. I took a hard lick and the air bags and seatbelt did their job and no one involved was injured, so I'm most thankful for that. The rest is just stuff that can be replaced.

I haven't had a vehicle payment in 6 years, but I'm going to have to partially finance this one. My question is what company/site do some of you recommend I use to check my credit score? I need to check it for any possible surprises before a lender runs it. Thanks.
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#3215059 - 04/06/13 11:51 AM Re: Credit Score Question [Re: farmin68]
brmaster
6 Point


Registered: 06/27/10
Posts: 845
Loc: TN, Shelbyville

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Credit Karma,,,,,,,,,Its absolutely free,,,nothing to sign up for, no trials or anything
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#3215060 - 04/06/13 11:52 AM Re: Credit Score Question [Re: brmaster]
rem270
18 Point


Registered: 11/15/02
Posts: 20665
Loc: south fulton

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Not trying to hi jack this thread. But wondering if you use a credit check place online does it put a hit on your credit for just checking it?
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#3215069 - 04/06/13 12:03 PM Re: Credit Score Question [Re: rem270]
farmin68
16 Point


Registered: 11/08/03
Posts: 13510
Loc: In a tree clinging to my guns ...

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 Originally Posted By: rem270
Not trying to hi jack this thread. But wondering if you use a credit check place online does it put a hit on your credit for just checking it?


From what I've read online (and we all know how accurate that info can be), it's ok to check it, but if you start using multiple agencies to check it, each time you check it, it lowers your score.
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#3215071 - 04/06/13 12:08 PM Re: Credit Score Question [Re: brmaster]
cecil30-30
16 Point


Registered: 12/05/06
Posts: 14150
Loc: Morgan Co

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 Originally Posted By: brmaster
Credit Karma,,,,,,,,,Its absolutely free,,,nothing to sign up for, no trials or anything
Yup,thats what I was gonna say,it only gives you one score but its pretty close.Plus you can check your credit daily if you want to.
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#3215159 - 04/06/13 03:18 PM Re: Credit Score Question [Re: cecil30-30]
farmin68
16 Point


Registered: 11/08/03
Posts: 13510
Loc: In a tree clinging to my guns ...

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 Originally Posted By: cecil30-30
 Originally Posted By: brmaster
Credit Karma,,,,,,,,,Its absolutely free,,,nothing to sign up for, no trials or anything
Yup,thats what I was gonna say,it only gives you one score but its pretty close.Plus you can check your credit daily if you want to.


Thanks, guys. I tried it and it's as easy as you said. Good site.
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#3215176 - 04/06/13 03:56 PM Re: Credit Score Question [Re: farmin68]
ROUGH COUNTRY HUNTER
16 Point


Registered: 11/12/10
Posts: 12539
Loc: FRANKLIN COUNTY

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it does not affect your score if you check it.only inquiries from finance institutions will hurt it
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#3215242 - 04/06/13 05:47 PM Re: Credit Score Question [Re: ROUGH COUNTRY HUNTER]
brmaster
6 Point


Registered: 06/27/10
Posts: 845
Loc: TN, Shelbyville

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doing it on line is what is considered a Soft credit check, this does not go on your credit score,
if you have it done by bank or credit agency, then it will as they dont do the soft check
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Guns dont kill people, they only provide a path
Legal gun owners will be punished because the government doesnt know how to keep the criminals from buying them.

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#3215259 - 04/06/13 06:12 PM Re: Credit Score Question [Re: brmaster]
Nyper
16 Point


Registered: 11/29/00
Posts: 11144
Loc: Lebanon

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https://www.annualcreditreport.com/cra/index.jsp

 Quote:
AnnualCreditReport.com is a centralized service for consumers to request free annual credit reports. It was created by the three nationwide consumer credit reporting companies - Equifax, Experian and TransUnion.

AnnualCreditReport.com provides consumers with the secure means to request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies in accordance with the Fair and Accurate Credit Transactions Act (FACT Act).

AnnualCreditReport.com is the only service authorized by Equifax, Experian and TransUnion for this purpose. The three nationwide consumer credit reporting companies have always encouraged consumers to regularly review their credit reports.

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#3215297 - 04/06/13 06:50 PM Re: Credit Score Question [Re: Nyper]
WestTn Huntin'man
16 Point


Registered: 11/19/06
Posts: 11978
Loc: Benton Co.

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Pretty sure you can have it checked once a year without taking a hit.
Sorry about your ride . Glad you're OK !!
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