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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498
111 Magic Points
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Subject: credit score
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Mon Mar 31, 2008 10:55 pm
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| I din't think it was very important to know your credit score. NOW..however...I DO think it's important. For example...maybe you think your score is ONE thing and it's nothing like you thought. Also....if you are trying to 'clean up' your credit, you can 'compare' scores from 'then until now.' Hope this makes sense. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1224 Magic Points
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Tue Apr 01, 2008 10:31 am
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great points sdcharges, I know that I am trying to clean mine up and have no idea what my score is for the last two years, but I am aware of what is on my credit report, that is what is important to me right now, I know cleaning it up will raise my score.
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Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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Laura
Joined: 21 Jun 2007
Laura's page
Posts: 1400
34749 Magic Points
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Tue Apr 01, 2008 10:45 am
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Hi Good,
At the end of a financial year, I would rather do a score check especially when i have started my repair all by myself. The problem lies in the fact that the scores vary with the bureaus. I usually try to check on my score once in a year.
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Regards,
Laura. |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498
111 Magic Points
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Subject: credit score
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Tue Apr 01, 2008 1:39 pm
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| Makes sense to me, LAURA!! Good point. But..it would be nice if ALL 3 CB's would have the same thing on them. Some CA's report to ALL 3...some do not. |
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Guest
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Tue Apr 01, 2008 6:06 pm
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| ...that's why myFICO.com is 'Such a Deal'! |
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cbass1017
Joined: 01 Feb 2008
cbass1017's page
Posts: 145
Location: PA
1528 Magic Points
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Wed Apr 02, 2008 2:05 am
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Great post Goodnatured. I personally feel its not worth the money to check your credit score from time to time. As long as you're checking your credit reports and making your payments on time you know your increasing your credit score. Also anytime you apply for credit they have to provide you with your credit score upon your request. If the last time you applied for credit you had a low score you should probably wait atleast one to two years before trying to apply again. I'm not trying to put anyone down for checking theirs though. If it makes you feel more comfortable to know and you have the money to pay for it then there is nothing wrong with doing it.
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Scott McKay
FreeOnlineCreditGuide.com |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498
111 Magic Points
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Subject: credit
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Wed Apr 02, 2008 1:23 pm
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| Another point, too.......some people pay 'profeesionals' to get their Credit Reports. Or, they pay for them over the net. EITHER WAY..isn't the individual risking giving out his/her personal information ( I mean SS#, address, erc). Especially, on the net ( where they ask for a Credit Card number, etc? |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1224 Magic Points
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Sun Apr 06, 2008 11:52 pm
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I know what you mean, we just assume that the sites are secure until something happens.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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erb1953
Joined: 31 Dec 2007
erb1953's page
Posts: 621
-55 Magic Points
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Mon Apr 07, 2008 2:01 am
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| Credit affects too much these days to just ignore it. |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Mon May 19, 2008 11:20 am
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| tHATS TRUE ERB BUT i CAN SEE WHY SOME PEOPLE WOULDN'T WANT TO CONTINUOUSLY LOOK AT THEIR REPORT. IF IT IS GONA BE THE SAME THING TIME AND AGAIN, ESPECIALLY IF YOU HAVE BAD CREDIT WHY NOT LET THE DEMON LIE AND ONLY CHECK IT TWICE A YEAR. |
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Justin
Joined: 17 Jul 2006
Justin's page
Posts: 1298
28935 Magic Points
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Tue May 20, 2008 12:06 pm
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I think one should check his score at least twice a year so as to remain informed about his position. This will really help him whenever he is going for a new credit. If you find the any mistakes in the credit report, you can take steps to rectify the report in advance before applying for any credit.
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All the Best 
Justin |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Thu May 22, 2008 12:21 am
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| Justin I totally agree with ya. I think twice a year is sufficent. One point though is if you get three free checks why not use them? |
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Justin
Joined: 17 Jul 2006
Justin's page
Posts: 1298
28935 Magic Points
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Thu May 22, 2008 11:23 am
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Actually as far as I know, only one report is free annually. If you want to check your report more that once, there are charges associated with it. So I prefer to check it twice a year.
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All the Best
Justin |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1224 Magic Points
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Thu Jun 12, 2008 1:48 am
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Justin,
You can actually get one from each of the three, so you can get three a year, I do this. I get one from one and then follow up a few months later, I get another and then a few months later I get the last one. If you get them every four months you can have the whole year covered.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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anthony
Joined: 31 Jul 2006
anthony's page
Posts: 550
13573 Magic Points
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Thu Jun 12, 2008 5:29 am
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Hi goodnatured
Your idea is good as we can check the report thrice in a year free of charge. Recently, I have heard about a fourth Credit Reporting Agency, Innovis Data Solutions. Does anybody have any information of how it works and does its report counts as the other three major CRAs in getting credit.
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Anthony Marx
A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible. |
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