Still got a few resolutions left to do? Here’s a current coupon for real FICO scores and all other credit products at myFICO.com. Use the promotional code MYPOINTS30 to get a FICO score for only $11 (~31% off), the best discount I could find right now:
You can still use CPPSAVINGS for 20% off if this expires.
Experian no longer allows Fair Isaac to sell FICO scores to consumers, even though lenders can still buy and use them. Instead, they join a bunch of other outfits selling their own FAKO (“FAKE-O”) version. 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. It is easy 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 refuse to participate on the general principle of paying money for my own credit score. Do you believe that these companies are collecting information about you, selling it to others, and charging you money to see what they’re saying about you?
I got a HELOC last year at my credit union, and they pulled my scores and gave them to me. (And they were fine. That’s good enough for me.) They would probably do it if I just ask.
This myFico discount is probably a good deal, compared to what it normally costs to get your scores, but honestly 99% of people don’t need to know their score. Just get your annual credit report (dot com) to make sure there are no mistakes in your file, then go live your life. 🙂
I’m with Chuck on this one. Paying for a FICO score is crazy to me. Get your reports for free from annualcreditreport.com (the REAL site) and get your free Transunion score from creditkarma.com. The creditkarma score isn’t a real FICO score but it’s a good guage of where you are and it’s absolutely free with no obligations of any kind.
Also remember, if you’re applying for a mortgage or something like that, they will show you the scores they pull. If you’re going to apply for the loan, just apply for the loan and get your scores from them. It shows up in the fees anyway, usually a $15 credit report fee.
@Robert – I agree that more people buy credit scores than really need it, but the whole idea is to know your score and clean it up before applying for a big loan, so you have a better rate and so on. Of course if your credit is great and you know it, you’ll be fine either way.
It’s one thing to not want to pay for the myfico score but paying for a creditkarma score makes no sense. their score can be off by as much as 100+ points.