credit report? - 2003-04 Mach 1 Registry Owners Club

Machy uno · 10-29-2008, 03:31 PM

So I've been looking for a way to figure out what my credit score is and I thought there was a way to do it for free now. It seems everything I find asks for all your info...then after you get it all verified it wants my credit card number to charge me. I just want my credit rating to see where I stand....anyone know where to get it?

gbranton · 10-29-2008, 03:40 PM

I think by federal law you can get one report per year free from each of the three major credit reporting agencies, Equifax, TransUnion and Experian.

www.experian.com

www.equifax.com

www.transunion.com

WraithTR1 · 10-29-2008, 04:07 PM

www.annualcreditreport.com

http://www.ftc.gov/bcp/conline/edcam...rts/index.html

03mach1 · 10-29-2008, 06:40 PM

Also, I think your banks can do it too, not sure if they charge, I know our local credit union does it for Free for being a member. I know the Car dealers run one when buying a car, we found out ours a few years back and blew the dealers away with our good standing, actually my wife's was 2 points higher than mine.

R.Shackleford · 10-30-2008, 02:14 AM

Quote:

Originally Posted by Machy uno

So I've been looking for a way to figure out what my credit score is and I thought there was a way to do it for free now. It seems everything I find asks for all your info...then after you get it all verified it wants my credit card number to charge me. I just want my credit rating to see where I stand....anyone know where to get it?

That's how they get ya... Reoccurring memberships...

You can get your report free like pointed out below, but you don't get your score, you have to pay for that.

Shaker1 · 10-30-2008, 06:26 AM

http://www.freecreditreport.com/

According to this you get your credit report and free Experian credit score. Never used it, so I cannot vouch.

WraithTR1 · 10-30-2008, 12:25 PM

Quote:

Originally Posted by Shaker1

http://www.freecreditreport.com/

According to this you get your credit report and free Experian credit score. Never used it, so I cannot vouch.

Yeah, but then they start charging you for a monthly service, it's a pain in the *** to cancel with them. The link I posted above is the official site, posted by the government for the free annual report.

dan4789 · 10-30-2008, 12:31 PM

I think it hurts your credit if you keep getting reports

R.Shackleford · 10-30-2008, 02:13 PM

Quote:

Originally Posted by dan4789

I think it hurts your credit if you keep getting reports

No you can get your report every month if you want it isn't part of your score or report at all. I think what you're thinking of probably is inquires or in other words applying for credit, which can have an effect on your score. You don't want to apply too often for credit.

fiveliter · 10-30-2008, 04:28 PM

By law, you are entitled to one free credit report a year from one of the three credit reporting agencies, but the report does not include your credit score, just your credit/payment history. To get your actual score, you're going to have to pay for it.

blazinsteed · 10-30-2008, 05:21 PM

fiveliter you beat me to it. The score is the service that the company provides. The history is your information and is what you are legally entitled to. There is no such thing as a free credit report. Another interesting thing is that not all financials use the same model. Some assign different weights to different things. Each financial tells the bureaus how they want the score calculated. A lot just use the basic model called the Fair Issac aka FICO score. Depending on where you live will dictate which score is more accurate and what your creditor will use. Experian=west coast transunion=midwest and equifax=east coast. Car dealers typically use the auto enhanced score which weighs car payment history higher and explains why you can get different scores from different menus.

Unrealford · 10-30-2008, 05:25 PM

Quote:

Originally Posted by 03mach1

Also, I think your banks can do it too, not sure if they charge, I know our local credit union does it for Free for being a member. I know the Car dealers run one when buying a car, we found out ours a few years back and blew the dealers away with our good standing, actually my wife's was 2 points higher than mine.

LOL, my wifes was 3 points higher than mine, and she doesnt even have a job on the books .. What Gives? HaHa 802 vs 799

jv7 · 10-30-2008, 05:54 PM

Quote:

Originally Posted by Unrealford

LOL, my wifes was 3 points higher than mine, and she doesnt even have a job on the books .. What Gives? HaHa 802 vs 799

Mine too, 813 vs. 840 for her. Go to www.quizzle.com great site and it's free.

32VALVR · 10-30-2008, 10:41 PM

Quote:

Originally Posted by WraithTR1

Yeah, but then they start charging you for a monthly service, it's a pain in the *** to cancel with them. The link I posted above is the official site, posted by the government for the free annual report.

Just ran mine through annualcreditreport.com They gave me a 15 page report listing all reporting creditors free. But if you want your actual score its $5.95. At that point I just said

and paid for it. Shocked, they gave me a 945 score. I guess I can go buy that personal jet I've always needed.

jv7 · 10-30-2008, 11:55 PM

Quote:

Originally Posted by 32VALVR

Just ran mine through annualcreditreport.com They gave me a 15 page report listing all reporting creditors free. But if you want your actual score its $5.95. At that point I just said

and paid for it. Shocked, they gave me a 945 score. I guess I can go buy that personal jet I've always needed.

No but that does mean you can finance it. I've used that site and got a 900+ score the problem is no one uses that system. The one that's commonly used has a max ratting of 860.

32VALVR · 10-31-2008, 12:08 AM

Quote:

Originally Posted by jv7

No but that does mean you can finance it. I've used that site and got a 900+ score the problem is no one uses that system. The one that's commonly used has a max ratting of 860.

I know, its what the three agencies are calling the "Vantage" report, 501-990.
My regular system score was 849. So what do you think, Gulfstream, Citation, Westwind or a Lear...do they still make those? Then again I always liked WWII warbirds. Maybe rebuild a F4-U Corsair or a P51 Stang

10-29-2008, 03:31 PM	#1
Machy uno Registered User Join Date: Jun 2005 Location: houston, texas Posts: 1,499	credit report? So I've been looking for a way to figure out what my credit score is and I thought there was a way to do it for free now. It seems everything I find asks for all your info...then after you get it all verified it wants my credit card number to charge me. I just want my credit rating to see where I stand....anyone know where to get it? __________________ She was living in a single room with three other individuals. One of them was male and the other two, Well he!! the other two were females Gone but NOT FORGOTTEN http://www.cardomain.com/ride/330262

10-29-2008, 03:40 PM	#2
gbranton Speaking Cherry Red Join Date: Oct 2003 Location: Mobile, AL Posts: 3,476	Re: credit report? I think by federal law you can get one report per year free from each of the three major credit reporting agencies, Equifax, TransUnion and Experian. www.experian.com www.equifax.com www.transunion.com __________________ 2003 Azure Blue Mach 1 10/15/03 - 12/23/10 1986 GT with T-tops (black)

10-29-2008, 04:07 PM	#3
WraithTR1 Registered User Join Date: Sep 2005 Location: Virginia Beach, VA Posts: 445	Re: credit report? www.annualcreditreport.com http://www.ftc.gov/bcp/conline/edcam...rts/index.html __________________ 2004 Mach 1 Gone MAC Longtubes, MAC O/R Pro-Chamber, SLP Loudmouth Catback, JLT RAI, 4.30, Centerforce DX Clutch, Fidanza aluminium flywheel, MM quadrant adjuster, aluminium driveshaft, PHP intake spacer, Meziere water pump, Accufab T/B, SCT XCAL2 tune done by Dyno Tuned Performance, 31 spline axle w/ Detroit TruTrac, ASF Black Mach 1 replicas 17x9, 17x 10.5 12.935@105.50

10-29-2008, 06:40 PM	#4
03mach1 Admin/Founder Join Date: Aug 2002 Location: Cuba, NY Posts: 6,805	Re: credit report? Also, I think your banks can do it too, not sure if they charge, I know our local credit union does it for Free for being a member. I know the Car dealers run one when buying a car, we found out ours a few years back and blew the dealers away with our good standing, actually my wife's was 2 points higher than mine. __________________ David J. Wagner Founder/Admin Member #0001 http://www.Mach1Registry.com http://www.Mach1Performance.org Amsoil T-1 Certified Independant Dealer Member, MCA '03 Mach 1, '08 V6 WIP, 76 Cobra II VIN#301788

10-30-2008, 06:26 AM	#6
Shaker1 Living The Dream Join Date: Sep 2002 Location: IL Posts: 2,112	Re: credit report? http://www.freecreditreport.com/ According to this you get your credit report and free Experian credit score. Never used it, so I cannot vouch. __________________ 2008 GT500 Alloy W/ Silver JLT/EVO tune BMR LCAs

10-30-2008, 12:31 PM	#8
dan4789 Registered User Join Date: May 2008 Location: Southampton, Pa Posts: 69	Re: credit report? I think it hurts your credit if you keep getting reports __________________ 03 5 Spd AB Magnaflow Catback

10-30-2008, 04:28 PM	#10
fiveliter 14 Year Reg Member Join Date: Dec 2003 Location: Long Island, NY Posts: 1,250	Re: credit report? By law, you are entitled to one free credit report a year from one of the three credit reporting agencies, but the report does not include your credit score, just your credit/payment history. To get your actual score, you're going to have to pay for it. __________________ 1978 Mustang II - junked 1983 Mustang GT - sold 1986 Mustang conv - sold 1993 Mustang 5.0 notch - sold 1997 Mustang GT - traded in 1994 Mustang GT conv - sold 2003 Mustang Mach 1 - current 2010 Harley Davidson XL883N - current 2015 Mustang Ecoboost - current Best ET 13.59@103MPH

10-30-2008, 05:21 PM	#11
blazinsteed MUSTANG ADDICT Join Date: Oct 2003 Location: orlando fl Posts: 2,471	Re: credit report? fiveliter you beat me to it. The score is the service that the company provides. The history is your information and is what you are legally entitled to. There is no such thing as a free credit report. Another interesting thing is that not all financials use the same model. Some assign different weights to different things. Each financial tells the bureaus how they want the score calculated. A lot just use the basic model called the Fair Issac aka FICO score. Depending on where you live will dictate which score is more accurate and what your creditor will use. Experian=west coast transunion=midwest and equifax=east coast. Car dealers typically use the auto enhanced score which weighs car payment history higher and explains why you can get different scores from different menus. __________________ I h8te rice www.ricehatersclub.com http://www.mach-1.org/photopost/data...gchop.jpg?6184 03 zinc yellow mach 1 292 rwh 318.2 rwt (XPIPE/XCAL2) iup/astra louvers/short ant./k&nfipk/bassani offroad x/sct xcal 2/powdercoated wheels/interior dressup/15% tint.. 1 of 869 born 06/13/03 (thanks donna) that is a friday the 13th should I be worried www.perfectionperformance.com (my clubs website)

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)