Which report should I order?

[fixit07]

I just found this forum and am looking to order up my credit reports from the 3 different agencies. I went to their sites and each of them have several options to choose from as far as getting a credit report. How do I know which one to order? And the next question is should I also get the year of myfico to see my real scores?
thanks.

[Scorepro]

You should pay for copies from each bureau. Don't get the free copy--it gives the bureaus more time to respond to your dispute. And yes, you should pay the extra fee to see your FICO score.

[CatKlaw]

It's best to pay for all 3 like Scorepro said, however if you don't have the money right now, I would go for a free one. I went through FreeCreditReport whenever I first started, and they show your Expierian score for free. I bought all 3 reports for $25.00. Only downside to FreeCreditReport is they don't show the FICO score(Ive never saw it), so it is something to consider. Next year though I will probably switch over to myfico, but FreeCreditReport isn't too shabby for the price.

[greginky]

Originally Posted by CatKlaw

It's best to pay for all 3 like Scorepro said, however if you don't have the money right now, I would go for a free one. I went through FreeCreditReport whenever I first started, and they show your Expierian score for free. I bought all 3 reports for $25.00. Only downside to FreeCreditReport is they don't show the FICO score(Ive never saw it), so it is something to consider. Next year though I will probably switch over to myfico, but FreeCreditReport isn't too shabby for the price.

Hey Katclaw, check your PMs for some info I sent

[Scorepro]

Pay to get your fico score. Fico is the only score that matters. Equifax is the only one who shows a Fico score, although they market it under the name score power. The other two use their own propietary score models and for credit repair purposes are useless.

[greginky]

If you plan to use the the credit report to dispute then it is best to purchase it because with the free ones the Credit Bureaus have 45 days to answer your dispute, with the purchased ones they only have 30 days to answer your dispute. If you are just using it for informational purposes then free is the way to go. Also, with the free one, you won't get your credit score, even though they say you do on the Experian site, it is kind of misleading.

[fixit07]

Okay I went to each of the 3 web sites.
*Equifax offers a 3 in 1 monitoring + FICO for $15/month.
*Transunion offers a 3 in 1 report for $30
*Experian offers a credit report for $10 and a report and score for $15

I didnt see where equifax and transunion had an offer for ONLY a report and score, it seems to be just a monthly monitoring service.

I dont mind paying the money for the right reports.
MYFICO also has multiple offers.

How do I know which one I need to get? I'd hate to pay for the wrong ones that cant give me what I need to get started.

thanks for the help!!!!