Does not give credit report, just credit score, kind of Equifax's FICO. No CC needed, current Equifax customers just enter login and password, everyone else must enter everything in order to verify identity.
Kind of lame. It's just a range, which I've never deviated from anyway.
Even though TransUnion data is slightly less comprehensive, with CreditKarma.com you get a precise number and much more features, still free with no spam:
Thanks. got mine, I am an existing customer, just need to login. Do not input any promotion. clicked, and then got my score range, 760-850.
Krugger
Ancient Member
posted: Mar. 10, 2010 @ 4:19p
just to clarify the OPs 'kind of FICO score' comment. The Equifax Credit Score Card is a summary of your credit score range based on data from your Equifax credit file. Your credit score range is based on the Equifax Risk ScoreSM, not the FICOŽ Score. The Equifax Risk Score ranges from 280-850. Higher scores are viewed more favorably.
OR, you could just get your full credit report for totally free from the government website.
https://www.annualcreditreport.com/
Equifax is required to give you a credit report for free every year. Not sure why an offer for a free credit score limited to existing customres gets green.
me too. does it mean if I Refinance will my APR come down? (I have personal loan with 15% apr, also one auto with 8.25)
Wuhead
Member
posted: Mar. 10, 2010 @ 5:33p
I was 760-850. Its good for being free. It can give you a good idea of how our credit score would be. Also it will tell you if you need to get your actual credit report and FICO score.
Excellent Work! Your Score Range Is: 760-850 Credit Karma told mine was 767, some others gave me 792 .. not even sure what that exact number is right now.
Also on the 725-759. I got the following explanation: * The loan amount or credit line on credit accounts. * There is insufficient information, or no account history, for one or more types of accounts: for example, auto loans, mortgage loans, personal loans or credit cards.
I have a high max on my credit cards but I use a very small portion on it and never carry a balance; does having a high limit negatively affect your score? I always thought that smaller ratios are good. I don't have any loans (I rent my place and paid cash for my car), which I guess is worse than a loan with good balance.
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