FREE CREDIT SCORES

Several banks and credit unions, including Bank of AmericaCiti and Pentagon Federal, allow some or all cardholders to view free FICO scores. Or you can sign up for Credit Scorecard from Discover for a look, even if you don’t have a Discover card. The site uses information gathered from Experian. Most other services show you your VantageScore, based on information in your TransUnion report, though Credit Karma displays scores from both Equifax and TransUnion.

Also: Get credit scores for all 3 bureaus for $1 on a 14 days trial. This is an excellent way to obtain scores for all the bureaus for your credit analysis. Just make sure your client cancel prior to the 7 to 14 days trial. Go to www.freescore360.com

Updates:

  1. It is not a good to get your FREE report from AnnualCreditReport.com. the reason, it gives the credit bureau up to 45 days instead of 30 to respond to disputes.
  2. Forced Arbitration: Please note that when you purchase a credit report for the credit bureau directly, you will see an arbitration agreement that will prevent you from suing with a jury trial.Be Sure To Opt Out of Binding Arbitration Clause within 30 to 60 days of receiving a credit report from a credit bureau. You will find an opt out letter here

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Are you wondering which source you should use to pull clients’ credit report/scores?

It really depends on what’s the goal of your client.

Are they seeking to purchase a home? MyFICO.com is the best source for this goal. Most of the analysis will be done for you to optimize your score or to determine problems.

Are they seeking to purchase a car? Credit Karma, Privacy Guard will work perfectly for this goal. Many car dealership uses TransUnion for obtaining a credit report.

Are they seeking to obtain an apartment Lease? Experian is the best source for this goal. Why? most background companies use Experian to obtain this information. 580 is usually the minimum score that the average apartment will except but prefer 600 or more. The are some apartments managers will accept scores lower than 580 as long as you don’t have an eviction against you.

Sources to obtain Credit Reports Online For clients: One can sign up for monitoring for $1 and cancel membership before the next payment is due.

  • MyFico.com
  • http://www.truecredit.com
  • https://www.annualcreditreport.com (FREE)
  • CreditKarma.com
  • https://www.privacyguard.com
  • https://www.identityiq.com/
  • http://www.experian.com/consumer-products/experian-equifax-transunion-credit-report-and-score.html  (3 bureau credit reports)
  • https://www.creditchecktotal.com/

Addresses and Fax Numbers

CONSUMER ATTENTION
EXPERIAN
POB 9701
Allen, TX 75013

EXPERIAN
POB 4500
Allen, TX 75013

Experian Fax Numbers
1. 972-390-4908
2. 972-390-3838
3. 972-390-4962
4. 972-390-4918
5. 972-390-4949
6. 972-390-4973
7. 800-301-7156
8. 972-390-4970
9. 972-390-5790

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EQUIFAX
POB 74256
ATLANTA, GA 30374

EQUIFAX
POB 740241
ATLANTA, GA 30374

Equifax Fax Numbers
1. 404-885-8078
2. 888-826-0727
3. 888-826-0573
4. 888-826-0549

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TRANSUNION
POB 2000
CHESTER, PA 19022-2000

TRANSUNION
POB 1000
CHESTER, PA 19016-1000

Transunion Fax Numbers
1. 610-546-4606
2. 610-546-4771
3. 610-546-4601
4. 888-462-8009

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