Want to check your credit score to start off the new year? Here’s a current coupon for real FICO scores and all other credit products at myFICO.com. Use the promotional code SURVEY30 to get 30% off and a FICO score for about $11, the best discount currently available:
The code is good until December 30th, 2009 (although try it as it may still work even after that date). As a backup, you can also get 26% off with the codes DECEMBER26 or 26UNTIL2010 until 12/31/09.
Finally, you can still use CPPSAVINGS for 20% off after these expire.
Experian no longer allows Fair Isaac to sell FICO scores to consumers at all, even though lenders still buy and use them. They sell their own FAKO (“FAKE-O”) version now. But since lenders almost always use real FICO scores in their decisions, those are the only ones you should pay for – if at all – in my opinion.
For the diligent, a cheaper alternative is to sign up for a free 30-day trial of ScoreWatch, which includes two free Equifax scores and reports. Just remember to cancel as soon as you grab those scores. You are allowed to cancel online, without having to even call in. As always, you can always request your credit reports (not scores) once every 12 months at AnnualCreditReport.com.
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I wonder if grabbing scores and reports on Scorewatch and then canceling will lower the credit score?
@Sergei – Checking your own personal credit score never has any effect on it.
http://www.creditkarma.com – free score
Yes, CK and a few other sites will gladly offer a non-FICO score for you for free. The problem is that no lender ever checks your credit karma score, so it’s pretty much just an estimate that can be off significantly.
Such free scores are best used to track significant changes in your credit report. (If it drops by 50 points, something is up.) CK uses Transunion data only.
I don’t see the point of paying for your FICO score. When you go to borrow money, your lender will tell you what your score is for no extra charge. At least, that’s what the loan officer at our credit union did when my husband took out an auto loan with them.
We had a good idea of what it might be even before she told us because we knew our credit to debt ratio and our bill paying habits.
Score-watch is a good thing, yet in the last 4 years from around $70 grew to now almost $100, per year. My problem with myFico is their way of computing.
You see, being alien I cannot create or buy time. Therefore I always will be lacking the 18years credit history, or at least another 12-13years. That was the reason to cancel my Score-Watch subscription. I maxed out on the other criterias. It is sad as that stopped me from getting better rate on my mortgage. 750 is where I end, 760 is where the next bracket starts on the mortgages. Other then that, they are not as fast as they say they are to report that someone checked you out. & I wonder how the things will resolve now that the “Big 3” are more of a “Big2+1”. Only time will show.
To me, it was more of a security tool, knowing who checks me out. & knowing that I can do something about it.