My bank has sent me a letter about my credit scores. I see names and coments but where isthe score?
February 212010
Newbie with no credit card balances and confused during home loan process-first time home owner age mid 50s married with independent business for over 30 years-many commercial and realestate loans involved with the business. Seems the fico is saying I am a bad risk but not sure if I am reading the right numbers. Teh comments all refer to not having any revolving credit and I believe the commercial loans we have. Would seem that a net worth over 1 mil and a d to a under .3 would not be bad.
The bank letter is not the same as a credit report. TransUnion, Experian and Equifax are the credit reporting do-gooders who can provide your credit reports, for free, once a year. You can find them online and your credit report is available online too, again, for free. TransUnion is a good starting point, then Experian.
If you sign up for a PayPal Visa credit card, your general credit score is available for your checking every day, for free. It is an easy way to stay on top of it, again for free.
February 21st, 2010 at 8:51 pm
are you sure its just not a credit report they don;t include the number just everything thats on your credit
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February 21st, 2010 at 9:15 pm
i am a lonly boy email me im in tennessee
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February 21st, 2010 at 9:23 pm
The bank letter is not the same as a credit report. TransUnion, Experian and Equifax are the credit reporting do-gooders who can provide your credit reports, for free, once a year. You can find them online and your credit report is available online too, again, for free. TransUnion is a good starting point, then Experian.
If you sign up for a PayPal Visa credit card, your general credit score is available for your checking every day, for free. It is an easy way to stay on top of it, again for free.
References :
February 21st, 2010 at 9:36 pm
The bank letter is not a credit report.
If your bank got a credit report on you, they usually get your permission. I believe it is standard in all states that you can request a copy of the real credit report from your bank for free. On that, you can see your credit score.
Note that the freecreditreport and annualcreditreport sites only give you history for free, not your scores.
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