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Thread: Credit Score

  1. hey baby, you got the love I need...
    Pyxie78's Avatar
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    #1

    Credit Score

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    First of all I would like to just say that I think it is rediculous that we dont have free access to OUR credit scores. I mean, its my credit, why cant I see it whenever I want it? Its like saying that you have to pay to see your bank balance.

    Now that I got off my chest, can anyone point me in a direction to get my credit score? When we went to get a loan about a year ago at Navy fed, the lady had it up on her screen and we asked to see it and she said we werent allowed. I dont want to do "free" credit report.com because its not "free". Is there anyway I can call my banks/credit cards?

    ETA: I'm just curious to see DH and my credit scores because we just recently paid off most of our debt.
  2. The Champion Lurker is Flyin' Solo.
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    #2
    I'm not sure but for you.


    When we rented the house they wouldn't let Mark see his either, but the guy at least TOLD him what it was.
  3. hey baby, you got the love I need...
    Pyxie78's Avatar
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    #3
    yeah at navy fed when we asked, the lady was like i'm not allowed to tell you. We were like well can you at least tell us good, bad, other? And she said its...and I quote Eh .

    What does "eh" mean????
  4. The Champion Lurker is Flyin' Solo.
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    #4
    What the hell. You're totally right it makes NO SENSE to charge for that. Also, someone told my husband that when you check it (pay to check it, of course) it takes away a few points. Ummmm....?!?!?!?! WHAT!
  5. Rei
    Chhyeah!
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    #5
    You're entitled to free annual credit reports.

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




  6. hey baby, you got the love I need...
    Pyxie78's Avatar
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    #6
    Quote Originally Posted by Rei View Post
    You're entitled to free annual credit reports.

    https://www.annualcreditreport.com/cra/index.jsp
    I knew that but I want my score, not report.
  7. MilitarySOS Jewel
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    #7
    From what I've seen you usually have to pay for the score....

    I used to get mine for free with an old credit card but they switched over to chase bank and I don't get to see my score anymore.

    And when DH and I applied for a car loan they showed us both our credit scores so I could stick my tongue out at dh and go 'neh nah nuh nah nueh naaah'
  8. ~M*A*R*I*E~
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    #8
    i feel the same way! i can't believe we have to pay to see our score. When washington mutual was still around, on our credit card website, they would let us see our score. I LOVED IT!!! but now that Chase bought them out, they took that feature away.
    None of us, should have to pay to see our score. It's ridiculous!!!!!!
    NO MORE TICKER! THE LOVE OF MY LIFE IS HOME FOR GOOD
  9. Senior Member
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    #9
    i'm for both sides it is crazy that we have to pay yes but how will them businesses stay going if we don't..
  10. Senior Member
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    #10
    I've never found a way to get the actual score without paying. Only time was when we leased a car a hundred years ago, the guy told us.

    And I've always heard that every time someone checks your credit that yes, it takes a small hit. I read an article few months back that recommended researching any large purchases like a car and then shopping around all at the same time. Something to do with even if 3 different people check your score, if they do it in quick succession (like 3 checks in one week's time), it gets lumped as one check. I'm sure someone can explain that better, I can't remember the fine details of the article I read about it.
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