Quote Originally Posted by Ruiner
By the way, you CANNOT get your FICO score for free. You can get your credit report for free from annualcreditreports.com (no other site is backed by the 3 companies - no, neither is freecreditreport.com). However, as with any service, you have to pay to get your FICO (credit) score.
#1. You should've called me about your Refi......
#2. That is exactly right.

Most of the "free" credit report sites you see advertised are not free at all. Some even have a condition of you changing your phone service before they'll send you a copy of your credit report.

#1. You are entitled to a copy of your credit report FREE from each of the repositories (Equifax, TransUnion, and Experian) once a year and/or anytime you are denied credit.
#2. I wrote a thread that will answer most questions people have concerning scores here: Info on Credit Scores
#3. As I said in the thread I started, scores are tricky little boogers because each repository uses a different formula to get their score. This is why we all have 3 different ones. I have yet to see 3 identical scores. I imagine it's possible, but since they all use different criteria I'd imagine the probability is highly unlikely.
#4. If anyone cares, the toll free numbers and websites to each of the repositories are:

Equifax 800-685-1111 www.equifax.com
TransUnion 800-888-4213 www.transunion.com
Experian (formerly TRW) 888-397-3742 www.experian.com


Most of them you can request your credit report online. I know you can dispute anything online, but you have to have a copy of THEIR report in front of you to do so (it's because they find everything by the report # they assign it when they print you one out).

Any questions? Ask away....