Free Fako Scores, Free FICO score, and Free Credit Reports….

[ambersun]

I have listed some of the sites I have used or heard about. You will need to go to each site to get complete details. Please add more info. if you have it, thanks!

FREE FAKO SCORES and credit tips, guidance
(Fako Scores – scores not used by lenders)

http://www.creditkarma.com – Transunion Fako Score
( I think the score updates daily if u click to update)

http://www.creditsesame.com – Experian Fako Score (score updates monthly)

FICO SCORE (score used by most lenders to decide whether to extend credit or not)
http://www.myfico.com – Equifax and Transunion
This site has FICO scores for the two reporting agencies above. You can pay $19.95 (I think) for each score or try the free trial or get a monitoring service. They have more products on page then I mentioned though.

FREE CREDIT REPORTS AFTER CREDIT DENIAL
See the links below to see how you can get a free credit report. They don’t include scores but you can pay to get them if you would like. I would take note not to abuse this method of getting your report. I think you have 60 days after the denial to retrieve your report from the agency they used listed on your denial letter.

The various CRAs tend to hide the free online access. For example, the Equifax tries to convince you to buy it or that it’s only accessible through mail.

Here are the links, you’ll probably have to copy and paste them. I’m not sure how to insert a link on this website.

http://annualcreditreport.transunion.com/tu/disclosure/currentSituation.jsp
(contrary to URL, this is NOT the free annual one)

http://www.experian.com/reportaccess/index.html
(Click ‘Get my Report Now’)

https://aa.econsumer.equifax.com/aad/landing.ehtml
(Equifax will constantly add on things and try and get you to buy something. Be sure to uncheck the things that require payment)

All of them require verification of some form, usually a series of questions, and I think Transunion requires you make an account if you don’t already have one.

[Amy]

Thanks for the helpful links, ambersun! I’ve always wondered where to get the free reports after credit denial. I think the credit bureaus purposefully make the links hard to find.

You can also check Experian FAKO on http://www.quizzle.com. They provide updates as well, and they don’t require your SSN.

[Amy]

Thanks for the helpful links, ambersun! I’ve always wondered how to get the free reports after credit denial. I do believe the credit bureaus purposefully make those links hard to find.

You can also get free Experian FAKO from http://www.quizzle.com. They do not require your SSN, but they do have the Experian verification questions.

[fontanaman]

Hey ambersun,

Those “FREE CREDIT REPORTS AFTER CREDIT DENIAL” links are really handy. Thanks for sharing! I wish I had them when I had applied for credit cards and got denied. I’ll be using them for sure when it happens again

[ambersun]

Thanks guys I forgot about quizzle I have to go on there. I think u can call the bureaus and go through the automated process also to get a free copy mailed to u or write them also. I forgot to mention sometimes the Fico and fako are close n sometimes not. Don’t throw the denial letters away sometimes they have fico scores also other times its their own scoring system.

[fontanaman]

EDIT: I realized I was going off topic with my comment (and hijacking ambersun’s thread), so I just started a new one here: http://www.newdirt.org/forums/topic.php?id=28

[Amy]

I pulled a copy of my TU report using the link ambersun provided, because I remembered I was denied credit by GEMB (for the PayPal Extras MasterCard) almost two months ago. So just made it in time to get the report before the 60 days was up. I realized that TU is the only one that combines inquiries from the same creditor!

I was originally denied by Capital One for the Journey student credit card. One month after that, I applied for the Secured MasterCard from Capital One. On my TU report, it showed one inquiry from Capital One, but with the two dates the report was pulled. All the inquiries are listed, with each one in a separate “box”/row, right? I only see one box with Capital One, and in it lists the two dates the report was pulled. Does that count as 1 inquiry?

[ambersun]

Amy, each date counts as one. I have them like that on my report as well. I use a daily monitoring service with Equifax and it shows them and tells you how many you have. Not sure of the other reports though b/c all of them show a different way and not necessarily the same info. although Cap One usually puts an inquiry on all of your reports. Maybe someone else can chime in but on Equifax I know they are counted as one for each date.

[anwesharry]

Hi there,

I remember reading in someone’s post (Amy?) that her credit file was too thin. She talked about CreditKarma. I have a question.

I am an international student and hence have practically no credit history. After a year of cluelessness and being denied by Chase (that’s my university’s bank and where all have checking and savings accounts are, and the banker kept assuring me that I’ll get a credit card) and Paypal Extras Mastercard, I decided on spending the money to get a secured credit card (Capital One Platinum Mastercard). I finally got my credit card today and am excited about building my credit history.

My question is, creditkarma keeps telling me that my file is too thin and so it can’t create a profile for me. When will it be able to create my profile. Did the forum writer face the same problem? Also, does it hurt my credit score to keep trying to check my credit score through websites like this?

[Amy]

Hi anwesharry,

Congrats on getting the card! In order to generate a FICO score, you need to have one account that is open for at least 6 months. I’m guessing CreditKarma will show their FAKO score around then too. Using CK will not affect your score because it is a soft inquiry and no one else can see soft inquries on your report except you.

[fontanaman]

These links have proven to be very useful. I’ve found myself using the one from equifax several times during the past months. Myfico is off course a great source of information. Thanks again for sharing ambersun.

Just wanted to bump up the thread so other people keep having access to them.

[Author]

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