Free credit report and score

This is NOT a small floating oar powered boat! It doesn't get any more grassroots that free! I just saw on the slickdeals.net front page that Equifax is offering a free 3-in-1 credit report with FICO score - usually $40 - using code ESA3BSF at checkout. I just got mine and didn't even enter any credit card info. Hurry before they cut this off!

You, sir,, resemble the north-bound end of a south-bound mule. And I'm playing nice today.

Die in a fire and take your crap with you.

Awesome. Shows me how much my credit cards are killing my credit.

NYG95GA wrote: You, sir,, resemble the north-bound end of a south-bound mule. And I'm playing nice today. Die in a fire and take your crap with you.

If he was a new poster I would concur with your criticism.

I didn't click the link because I know my history/score, but your post seemed a bit, uncalled for if finding is legit.

Credit "scores" have ALWAYS been free.

Answer me this.. how can you afford to run 10 commercials an hour on prime time television offering a "free" service?

because the commercial networks know how important your credit score is to their bottom line and are running the commercials for free?

Credit scores have NEVER been free.

The credit bureaus charge for everything they do. They are a for profit private business and not a public service. This is why so much erroneous info gets on them. If someone is willing to pay them then they'll put it on there.

They charge for putting data on the report and for looking at the data. They charge even more if you want a credit score.

There is only one authorized free credit report site - annual credit report dot com. All others are simply looking to sell you something or gathering data to begin selling something about you - think spam.

While there's only one official free credit report site there are any number of credit scores so pulling a score from any of them is almost useless unless it just satisfies your curiosity. Your credit scores changes depending upon the intended usage. If you want a credit card they weight the credit score to show how you pay your credit cards. The same thing goes for other types of pulls.

Typically the mortgage credit score will be the lowest score since it's designed to show very long term prognostications and mortgages are for such a large amount of money.

Someone one here just praised credit karma dot com It turned out to be a one credit score and after gathering all my personal data it told me my credit file was too thin which was anything but the truth based upon my actual report and not surprising my spam count has skyrocketed.

If you are receiving spam you should be sending it to the FTC to nip it in the bud. They email is spam@uce.gov

Wow. I was just trying to point out what I thought was a good deal to some folks who might not frequent the various deal sites. As I noted, I wasn't spamming anybody, and Experian is one of the 3 big credit agencies. I didn't even put up any sort of referral link to make money for myself, nor did I put up the link to the deal site where I saw it to drive up their traffic and referral links off their site. While the score provided isn't a be all and end all single score to rule them all, it's nice to have a free snapshot look at about where my score is. Getting all 3 credit reports in one spot was a convenient bonus, and doesn't burn my one free annual report either.

NYG95GA wrote: Credit "scores" have *ALWAYS* been free.

The credit REPORT is free, the score will cost you.

Someone did mention a free site recently (noted above) but apparently it done not work so gud.

Pigeon I was just trying to warn people about sites like that, they are trolling for personal information so they can better generate spam. Plus many people simply aren't aware of what a credit score really is and the implications so they don't really understand that a credit score from a service like that is basically useless.

Right or wrong credit is credit score driven nowadays. I say right or wrong because if you don't have a certain credit score you don't get to explain things. If the credit bureau is wrong (and there are errors on most people's bureau reports) and your score is below that threshold then you don't even get the opportunity to tell your side of the story.

I just saw figures that said that 43,500,000 people now have credit scores of 599 or less. That number was "only" 23,500,000 just prior to the election. You can draw your own confusions. And I do mean confusions!

Pigeon: Thank you.
I say that because I suspect that you posting was intended to answer questions that I asked last week in this thread.
http://grassrootsmotorsports.com/forum/off-topic-discussion/obtain-my-credit-report-and-score/24662/page1/

Carguy: Thank you.
I am impressed and appreciate the knowledge that you have and thank you for sharing it.

Most everything else is typical of the signal to noise ratio found when asking for free advise/opinions.