I am looking for the one that will show all three agencies. Any idea what the best credit report web site to use is? I used to work as Loan Officer for Countrywide and we pulled an awesome reports.

Now I look at layout of some you can get online and they look way too simple. I would like to make sure I have no Derogatorily Trade lines, tax liens, payment history for past 48 months on Credit Lines. In other words

DETAILS!

Let me know what sites you guys had best experience with.

 

annualcreditreport.com

 

www.creditkarma.com

It doesn't pull all three scores but it offers a full analysis of your credit score and how to improve/fix it, as well as compares you to the rest of the nation.

 

That one's actually free. I think by law you're allowed one free report per year. If freecreditreport.com was actually free, why would they spend so much in advertising?

 

freecreditreport.com is a scam. You're automatically enrolled in a credit protection plan and have to unsubscribe within eight (I think) days, else they charge your card.

A truly free credit report will not require any sort of credit card information.

 

Creditkarma is the best. It is way easier to use, more informative, and they arent constantly trying to trick you into paying.

 

annualcreditreport.com is the government mandated site set up by the three major bureaus. You can pull all three reports once per year for free. You will always have to pay to see your credit scores, no matter what site you go to. Alternatively, you could go to any individual site (experian, tansunion, equifax) and pull a report from all three agencies. I like http://www.myfico.com too

 

I don't really condone this, but theoretically it would work.

Apply for a loan at the bank, ask to see the report and to know your score, then (the next day) tell them you got a better rate elsewhere.

You can't leave with the report, but you can sit there as long as you want to read it.

 

this is true...my providian card always showed me my credit score each month, but only from one of the 3 agencies, i think it was experian

i signed up for citi identity monitor and it shows your 3 scores and your 3 reports every month, it's only 12.95 or 13.95

 

Awesome, looks like I pulled Anualcreditreport.com couple months ago and didn't like it. So I have to pay for it to show the scores? I am pretty darn sure it didn't show me any scores.