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     | Wednesday, November 22, 2000 - 05:21 pm  Today I came across TrueCredit.com, and was quite pleased at what I found. For $7.95, you can get a copy of your Experian report online in less than a minute. Even better, for $3.95 extra you can get a "Credit Profiler," which rates your credit on a scale of 1 to 100 and analyzes your credit's strenghts and weaknesses. Of course, the 1 to 100 score is not a true FICO score, but from comparing the analysis to the factors FICO has revealed, I'll bet it comes pretty close.
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| | Thursday, November 23, 2000 - 04:54 am Does it add an inquiry on your credit profile?
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| | Friday, November 24, 2000 - 02:45 pm Does it add an inquiry on your credit profile? I don't know. I was a bit hesitant at first, because nothing on the site said that it wouldn't (or, for that matter, would). After some consideration, I decided to take the risk, as the information sounded quite useful and I don't have any recent inquiries and therefore could spare one. BTW, I did find out that TrueCredit.com is owned by Lehman Brothers, so it's presumably a legit outfit.
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| | Saturday, November 25, 2000 - 05:50 am I used this service. If you choose the one credit report (Experian) it's a soft inquiry. If you purchase the merged report (all three). It's a hard inquiry. BTW My score was 44. Kelly
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| | Saturday, November 25, 2000 - 08:42 pm How is that "Credit Profiler" useful?
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| | Sunday, November 26, 2000 - 06:08 pm How is that "Credit Profiler" useful? It gives you an idea of how lenders would consider your credit standing. In addition to giving a numerical score, and rating on a a very poor-to-very good spectrum, it said that I would not have trouble qualifying for mortgages or car loans, but wouldn't get the best credit card offers. It listed the strengths and weaknesses on my credit report and offered suggestions for improving the weak points. Finally, the discussion of the factors going into the score closely paralled those on Fair Isaac's site, so the score probably can be extrapolated into a reasonable approximate of your FICO score. Don't get me wrong, I'm not saying that TrueCredit.com is perfect, or that its results definitely will be the same as in the real world, but for the price it seems pretty good. YMMV.
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| | Friday, January 19, 2001 - 11:05 am I think if you resister at http://www.fool.com that they will offer you a free credit report from truecredit. At least they did for me yesterday. I found it to be very clear and easy to read. I will probably use them again. It wasn't as complete as the Experian report you get in the mail which shows the dates that negative items scheduled to be removed. Another drawback was that I had to enter my information for two credit cards (for identification purposes). I thought that was a bit extreme. I didn't buy with the Credit Profiler.
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| | Friday, January 19, 2001 - 12:48 pm Erik, aside from the "free" part, are there any other reasons why you don't order directly from Experian? I went to fool.com's credit card page but the only ads I found were for CCCS clones (AVOID BANKRUPTCY,) AmEx and whatever else. I checked truecredit.com and there was nothing free, so it must be a special fool.com deal. Anyway, while I'm a Truecredit affiliate, I haven't bothered to put up their link since a 55 cent savings over Experian didn't seem to make it worthwhile. Should I reconsider?
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| | Friday, January 19, 2001 - 08:24 pm Yes it is a special fool.com deal. You have to register with them (also free) by clicking on the "Become a Fool" link and then giving them your name,address,phone,email (I lied about my phone #). On the third page of the registration after pressing the 'Get the Goods' button (i think) there are a whole bunch of free offers that you can accept or decline. Among them is the free truecredit.com report. Is it more worthwhile than getting the online one directly from Experian? I can't really say since I've never ordered the online version of Experian's but Dangelo recently said this about it: "Experian has a good system but since you have to click hyperlinks to see extended information they are impossible to print in a fully intelligable manner. My paper Experian report had a wealth of information on 6 pages. It would have taken at least 20 printed pages for the online report to give me less information [than the one they mail you]." The TrueCredit.com report has everything on one big long page that was neatly displayed and printed out fine for me. Anyway, if you want the most accurate report and aren't in a hurry then I would say go for the one that Experian sends you in the mail. If you just want to see your latest credit report and are more concerned with speed than seeing everything then I would say go with truecredit.com. A sample credit report from truecredit.com: https://www.truecredit.com/Credit/Sample.asp A sample credit report from Experian (I don't think this is the online version but is the only one I could find): http://www.experian.com/consumer/page1of8.html
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| | Monday, January 22, 2001 - 02:37 am but Dangelo recently said this about it: "Experian has a good system but since you have to click hyperlinks to see extended information they are impossible to print in a fully intelligable manner. My paper Experian report had a wealth of information on 6 pages. It would have taken at least 20 printed pages for the online report to give me less information [than the one they mail you]. When I ordered my report direct from Experian, here's what I got: (1) They DO have a "printer friendly" version of the report (no clicking hyperlinks to see extended information). But I will agree that it was a bit longer than the paper copy you get from them in the mail. However, Experian's mail version *is* up to twice as long as TU's and Equifax's (with the same info). (2) You can save your online Experian report as an HTML document, complete with hyperlinks and all. In fact, when you save it it saves the initial HTML document, and then creates a sub-directory with all the image files, the style sheet and the (external) javascript file. This way, you can view and manipulate your local copy just as you would/could the one you saw when on Experian's web site. It was a nice little touch that I was impressed with.
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| | Monday, January 22, 2001 - 02:39 am A sample credit report from Experian (I don't think this is the online version but is the only one I could find): http://www.experian.com/consumer/page1of8.html That doesn't look anything like the online version that I ordered & received about a week and a half ago, that's for sure ...
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