# Credit Reports (Free?)
**URL:** https://forums.speedlife.net/t/credit-reports-free/78379
**Category:** NYSpeed Off Topic
**Created:** [January 19, 2010, 7:32am UTC](https://forums.speedlife.net/t/credit-reports-free/78379 "2010-01-19T07:32:40Z")
**Posts on this page:** 16
**Page:** 1
### Author:  [@97FormulaWS-6](https://forums.speedlife.net/u/97FormulaWS-6)
#### Post date: [January 19, 2010, 7:32am UTC](https://forums.speedlife.net/t/credit-reports-free/78379/1 "2010-01-19T07:32:40Z")
Anyone know where I can get my 3 credit reports for free? Without having to sign up for some monthly crap that makes them not really free.
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### Author:  [@Joe](https://forums.speedlife.net/u/Joe)
#### Post date: [January 19, 2010, 7:36am UTC](https://forums.speedlife.net/t/credit-reports-free/78379/2 "2010-01-19T07:36:52Z")
[annualcreditreport.com](http://annualcreditreport.com)
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### Author:  [@theblue](https://forums.speedlife.net/u/theblue)
#### Post date: [January 19, 2010, 8:04am UTC](https://forums.speedlife.net/t/credit-reports-free/78379/3 "2010-01-19T08:04:28Z")
^this
also, they won’t give you a credit scores for free, just the report.
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### Author:  [@97FormulaWS-6](https://forums.speedlife.net/u/97FormulaWS-6)
#### Post date: [January 19, 2010, 8:07am UTC](https://forums.speedlife.net/t/credit-reports-free/78379/4 "2010-01-19T08:07:54Z")
I tried that site… they’re saying i’ve already had my free credit report… which is wrong. Last time I pulled a CR was b4 I was married which was over a year ago… WTF…
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### Author:  [@JMEZZI](https://forums.speedlife.net/u/JMEZZI)
#### Post date: [January 19, 2010, 9:14am UTC](https://forums.speedlife.net/t/credit-reports-free/78379/5 "2010-01-19T09:14:42Z")
[freecreditreport.com](http://freecreditreport.com)?
This would also go in the annoying commercial thread but worth a shot.
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### Author:  [@tpgsr](https://forums.speedlife.net/u/tpgsr)
#### Post date: [January 19, 2010, 9:16am UTC](https://forums.speedlife.net/t/credit-reports-free/78379/6 "2010-01-19T09:16:26Z")
Nope that is a “fako score” the only place to get your true score is from [myfico.com](http://myfico.com)
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### Author:  [@Cleck](https://forums.speedlife.net/u/Cleck)
#### Post date: [January 19, 2010, 12:04pm UTC](https://forums.speedlife.net/t/credit-reports-free/78379/7 "2010-01-19T12:04:09Z")
Pretty sure annualcreditreport is the only place that’s sponsored/covered/whatever by the government and it should only give it to you in a one year time period. Not sure if that’s once a year or once a year since you request/get it. It should also give you your score too, not just the report. You should never have to pay for it.
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### Author:  [@Joe](https://forums.speedlife.net/u/Joe)
#### Post date: [January 19, 2010, 12:08pm UTC](https://forums.speedlife.net/t/credit-reports-free/78379/8 "2010-01-19T12:08:25Z")
If you really did already have your free credit report you should be able to do a forgot password thing and recover it. Might be a few months behind, but better than nothing.
That, or apply for a mortgage you can’t afford :tup: When they reject you they’ll send you a letter with your credit report on it
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### Author:  [@boxxa](https://forums.speedlife.net/u/boxxa)
#### Post date: [January 19, 2010, 1:33pm UTC](https://forums.speedlife.net/t/credit-reports-free/78379/9 "2010-01-19T13:33:00Z")
> **[Credit Karma](https://www.creditkarma.com/)**
>
> Credit Karma offers free credit scores, reports and insights. Get the info you need to take control of your credit.
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### Author:  [@travisn](https://forums.speedlife.net/u/travisn)
#### Post date: [January 19, 2010, 1:47pm UTC](https://forums.speedlife.net/t/credit-reports-free/78379/10 "2010-01-19T13:47:35Z")
> [@boxxa](#):
>
> [http://www.creditkarma.com/](http://www.creditkarma.com/)
tup
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### Author:  [@97FormulaWS-6](https://forums.speedlife.net/u/97FormulaWS-6)
#### Post date: [January 19, 2010, 1:51pm UTC](https://forums.speedlife.net/t/credit-reports-free/78379/11 "2010-01-19T13:51:34Z")
> [@boxxa](#):
>
> [http://www.creditkarma.com/](http://www.creditkarma.com/)
I saw this gives the Credit Score; but does it also pull all 3 Reports?
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### Author:  [@travisn](https://forums.speedlife.net/u/travisn)
#### Post date: [January 19, 2010, 1:56pm UTC](https://forums.speedlife.net/t/credit-reports-free/78379/12 "2010-01-19T13:56:04Z")
> [@97FormulaWS-6](#):
>
> I saw this gives the Credit Score; but does it also pull all 3 Reports?
no but between [annualreport.com](http://annualreport.com) and this you get it all for free. are you trying to get all 3 at once or just one? try each individually.
if you got recently denied you are entitled to a free report regardless.
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### Author:  [@tpgsr](https://forums.speedlife.net/u/tpgsr)
#### Post date: [January 19, 2010, 1:56pm UTC](https://forums.speedlife.net/t/credit-reports-free/78379/13 "2010-01-19T13:56:24Z")
> [@boxxa](#):
>
> [http://www.creditkarma.com/](http://www.creditkarma.com/)
NO!
Do a little bit of quick reading over on [creditboards.com](http://creditboards.com) and you will see that the score that place gives is not legit.
AGAIN, the only way you are getting your score is to use [myfico.com](http://myfico.com). They will also give you all of your reports so that you can dispute things.
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### Author:  [@travisn](https://forums.speedlife.net/u/travisn)
#### Post date: [January 19, 2010, 3:13pm UTC](https://forums.speedlife.net/t/credit-reports-free/78379/14 "2010-01-19T15:13:26Z")
> [@tpgsr](#):
>
> NO!
>
> Do a little bit of quick reading over on [creditboards.com](http://creditboards.com) and you will see that the score that place gives is not legit.
>
> AGAIN, the only way you are getting your score is to use [myfico.com](http://myfico.com). They will also give you all of your reports so that you can dispute things.
do you have any links off hand?
it seemed pretty legit, believe it uses transunion info. my score was 609 then I paid my cc’s down to below 30% (was over 50%) utilization and it jumped to 630 around the 3rd or so, then 697 around the 10th (as each card updated their reportings). seems accurate as far as total debt, open accounts, missed payments and so on…
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### Author:  [@tpgsr](https://forums.speedlife.net/u/tpgsr)
#### Post date: [January 19, 2010, 3:43pm UTC](https://forums.speedlife.net/t/credit-reports-free/78379/15 "2010-01-19T15:43:14Z")
> [@travisn](#):
>
> do you have any links off hand?
>
> it seemed pretty legit, believe it uses transunion info. my score was 609 then I paid my cc’s down to below 30% (was over 50%) utilization and it jumped to 630 around the 3rd or so, then 697 around the 10th (as each card updated their reportings). seems accurate as far as total debt, open accounts, missed payments and so on…
[http://www.creditboards.com/mambo/index.php?option=com\_content&task=view&id=12&Itemid=2](http://www.creditboards.com/mambo/index.php?option=com_content&task=view&id=12&Itemid=2)
[http://credit.typepad.com/credit/2005/06/fico\_vs\_fako\_sc.html](http://credit.typepad.com/credit/2005/06/fico_vs_fako_sc.html)
> **[FICO vs. FAKO - Truecredit](https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/FICO-vs-FAKO-Truecredit/m-p/266104)**
>
> On another unrelated post I was told that True Credit gives only FAKO (fake FICO scores). I really don't want to believe that because you'll see the difference between the FICO that MyFico reports and the FICO that TrueCredit reports. I...
[http://creditboards.com/forums/index.php?showtopic=424359&hl=creditkarma.com](http://creditboards.com/forums/index.php?showtopic=424359&hl=creditkarma.com)
> **[Understanding the FICO and FAKO Credit Scores](https://www.thebalancemoney.com/fico-and-fako-credit-scores-960497)**
>
> There are a lot of different credit scores out there - FICO and several others. Learn why you have different ones and find out which matters the most.
For a discount on [myfico.com](http://myfico.com) see here:
[http://creditboards.com/forums/index.php?showtopic=30893&st=2375](http://creditboards.com/forums/index.php?showtopic=30893&st=2375)
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### Author:  [@travisn](https://forums.speedlife.net/u/travisn)
#### Post date: [January 19, 2010, 3:55pm UTC](https://forums.speedlife.net/t/credit-reports-free/78379/16 "2010-01-19T15:55:22Z")
wtf. cant a guy catch a break?