Should I get both?
By 911Ricki
@911Ricki (13588)
Canada
November 30, 2012 3:43pm CST
Now I was just printing the page to mail out to get my free credit report, but I was thinking maybe I need the score as well (just to see where it sits). Whereas that is $15.97 to get.
I would have to save up my online earnings to pay for it, but wondering if it's worth the money, or should I just the report.
1 person likes this
2 responses
@Kashmeresmycat (6369)
• United States
30 Nov 12
I would get it, period. You need to know your score to see where you stand. Save your earnings do this. A credit report doesn't tell you everything you want to know unless you have the score. This is how you can tell where you stand since you want to buy a mobile home someday, and if you need to raise your score to a higher level.
@911Ricki (13588)
• Canada
30 Nov 12
I was assuming that, my SIL's Dad said he would do my mortgage if I want one for the mobile home (which means he gets money), all I would need for most places is a job, and good credit (if I pay everything in full, or dont owe anything I would most likely get it). I just want to know for sure, my credit card is usually paid off, my car I paid in with in full with a cheque, and my OSAP I got a chunk of money for school and paid it back in full.
1 person likes this
@Kashmeresmycat (6369)
• United States
30 Nov 12
Creditors look for how your payments are made. It is not good to buy something and pay it off immediately as people think. They like to see how you make your "monthly" payments and if they are on time. If you ever take out a credit card, or anything like that, make sure you make payments for at least six momths so the creditors see how you're paying for those six month, and then pay it off if you'd like. I hope that makes sense and I'm explaining myself right.
You sound like your credit is great, but if I were you, I'd still like to know exactly what it is, just to be sure....it's not that it's going to cost you an arm and a leg. Sometimes these credit reports are wrong and the only way you'll know is if you see it in person. If it's wrong, then you can correct it.
If your SIL's Dad can do your mortgage, ask him if he can find out what your credit "score" is for nothing. He might be able to do that if he's a realtor and shouldn't charge you anything. 
@LovingMyBabies (85127)
• Valdosta, Georgia
30 Nov 12
There is one that gives you a free trial like gifts said but make sure you remember to cancel it before the 30 days or they will still keep charging you every month for it! I made that mistake, got the free trial and forgot to cancel it so they charged me!
