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December 05, 2006
Free credit score (not just a report) from Experian
I already posted about how to get your credit report for free. Here's how to get your Experian credit score for free, without signing up for anything. But first, a little background:
We rent a two bedroom house for under $2000/month. Similar homes in our neighborhood are selling for $800,000 - $850,000. The property tax alone would be more than $800/month (about 1.25% of the purchase price here in the California Bay Area). For kicks, I wanted to see what the mortgage payment would be on a $700,000 loan.
I filled out a short form at LendingTree, "accidentally" transposing a few digits of my social security number, phone number, and birth date, but used my real name and address. Surprisingly, it worked.
I was then able to see my Experian credit score - I guess all they need is a name and address, even with a bum social security number and birthdate. The score was pretty close to a score I saw last year and the reasons it wasn't higher - "too many accounts opened in the last 12 months" and "too many inquiries" - seemed valid, so I believe it's the right score. (I applied for two credit cards recently to get the free sign up bonus money, so I'll have to remember to stop doing that 12 months before I want a home loan).
So there you go - you can get your Experian credit score for free thanks to LendingTree and you don't have to sign up for anything.
Posted by brian at December 5, 2006 01:55 PM