Recent Test of AnnualCreditReport.com

So, according to both CreditKarma.com and CreditSesame.com, my VantageScore 3.0 credit scores from TransUnion® and Equifax® dropped more than 80 points, and for no reason.

Credit Scores: TransUnion and Equifax VantageScore 3.0

So I visited www.AnnualCreditReport.com to check my credit reports from the 3 major bureaus: TransUnion, Equifax and Experian^TM:

• TransUnion: I was able to access and download my credit report.  I found no problems.
• Equifax: Fail; online delivery not available (see image below.)
• Experian: Not available.

Equifax: online delivery not available

Success with only 1 out of 3  www.AnnualCreditReport.com?  What's up with that?

I'm still investigating this.

Stopped by the Citi® website and checked my FICO® score there.  My Equifax® Bankcard Score 8 score was 820 out of 900.

I'll update this when I get answers. Stay tuned...

FICO / Equifax Bankcard Score 8 credit score

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Free Credit Score with Credit Sesame

Credit Sesame - Free Credit Score

Just signed up with Credit Sesame (www.CreditSesame.com - +Credit Sesame Inc. ) to see if they offer anything unique in the free-credit-scores game.

Not much to report here.  Very similar to Credit Karma, which I use often, but in this duel of free-credit-score websites, Credit Karma wins, because the site offers free access to both my +TransUnion and +Equifax scores, while Credit Sesame only gives me the Equifax version.

You can pay for premium services at Credit Sesame (see image below), but for me these extras don't offer much value.

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Just Tried FreeCreditScore.com

Just tried www.FreeCreditScore.com ( +freecreditscore.com ) to see what the site is offering. The site is owned by +Experian.

The site gives you free access to your Experian PLUS Score (pictured) but this score doesn't have much meaning, because lenders don't use it.  My PLUS score, 717, is not even close to my FICO®-based scores.  Meaningless.

If you want access to your FICO credit score -- the score all lenders recognize -- the site will ask you to pay $1 for it.  Feels very much like a bait-and-switch to me, therefore I am still recommending Credit Karma for free credit scores.

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Citi® Offering Free Credit Scores

Citi® is offering free credit scores now.  I have a rather aged +Citibank US credit card, which has never let me down.  My current FICO® credit score, according to Citi and +Equifax is 806.  Not bad...

 

Citi Free Credit Score

Please feel free to show off your credit score in the comments section below!

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