where can i get a no frills, no BS free credit report?

[SRim23 5,000+ posts]

Worst idea ever, they will shoot your app out to tons of banks resulting in tons of inquiries on your credit...impacting your score pretty badly.
All auto or home buying inquiries in a set time are supposed to be considered together and not impact you as much, but when I went car shopping last month that was not the case...I got hella dinged.

only if you let them....i worked at a car lot and some people would just come in and say, i dont know my credit score so im not sure what kind of loan i can get......they run the report, show it to you and then you decide whether you want to have them go ahead with looking for a loan.....

 

[tRidiot 10+ year member]

only if you let them....i worked at a car lot and some people would just come in and say, i dont know my credit score so im not sure what kind of loan i can get......they run the report, show it to you and then you decide whether you want to have them go ahead with looking for a loan.....

I hate those effin' car lots that want to run your credit before you even start looking at cars. lol

I actually had one lot that refused to show me cars until we talked about financing. lol So I went out to another lot and paid cash for a car.

Losers.

 

[duece212 5,000+ posts]

only if you let them....i worked at a car lot and some people would just come in and say, i dont know my credit score so im not sure what kind of loan i can get......they run the report, show it to you and then you decide whether you want to have them go ahead with looking for a loan.....

Some car lots are better than others. I had one car lot here that had my SSN on file from 3 years prior. I called about a car and set up an appt to go look at it. They had pulled my credit before I even got down to the dealership...and without my authorization.

I was steamin pissed when I figured that out. I shoulda sued over it to teach them a lesson but its only a $1,000 fine for that. So instead I cussed out the salesman infront of the whole store and walked out //content.invisioncic.com/y282845/emoticons/laugh.gif.48439b2acf2cfca21620f01e7f77d1e4.gif

 

[SRim23 5,000+ posts]

I hate those effin' car lots that want to run your credit before you even start looking at cars. lol
I actually had one lot that refused to show me cars until we talked about financing. lol So I went out to another lot and paid cash for a car.

Losers.

yeah thats stupid.....u find alot of stupid car salesman.....theres only one salesman i ever go to now...ive bought 2 cars from him....was really cool...didnt look down at me cause im young or anything....especially after he realized i was member of a credit union and could get any loan i wanted lol once he found that out he was willing to knock a couple grand off each car ...he even let me take an almost new car for a weekend test drive.....

you just gotta find that one thats not shady and theyll take care of you.....

like i said as long as you tell them you dont know your score and you just want the report first theyll run it for you.....

 

[SRim23 5,000+ posts]

Some car lots are better than others. I had one car lot here that had my SSN on file from 3 years prior. I called about a car and set up an appt to go look at it. They had pulled my credit before I even got down to the dealership...and without my authorization.
I was steamin pissed when I figured that out. I shoulda sued over it to teach them a lesson but its only a $1,000 fine for that. So instead I cussed out the salesman infront of the whole store and walked out //content.invisioncic.com/y282845/emoticons/laugh.gif.48439b2acf2cfca21620f01e7f77d1e4.gif

its only a 1000 dollar fine, but the way car lots work they would of taken it out of that guys commission.....so it woulda stung a little more than you think.....commission at a car lot is cut throat.....thats why i only worked there a couple months....always having to go work and worry bout guys stealing ur money.....it was good money but not worth the hassle.....

 

[duece212 5,000+ posts]

its only a 1000 dollar fine, but the way car lots work they would of taken it out of that guys commission.....so it woulda stung a little more than you think.....commission at a car lot is cut throat.....thats why i only worked there a couple months....always having to go work and worry bout guys stealing ur money.....it was good money but not worth the hassle.....

Wish Idda known that a few months ago, idda done it //content.invisioncic.com/y282845/emoticons/frown.gif.a3531fa0534503350665a1e957861287.gif

 

[SRim23 5,000+ posts]

Wish Idda known that a few months ago, idda done it //content.invisioncic.com/y282845/emoticons/frown.gif.a3531fa0534503350665a1e957861287.gif

and even furthermore they woulda taken it out of his commission and then if he didnt make is sales goal because of it woulda canned him lol typically if you dont make ur sales goal twice ur gone......could of cost him a grand plus his job!!!!