Credit Score (FICO) basics - How to improve credit scores

Joined: 10 Sep 2009 Posts: 148 954 Magic Points

If you have bank accoutn with bank of America you cna use thier free credit report service. It is free for 30 days and you need cancel before that or you will get charged

Also if you have American Express credit card, theya slooffer simialr service free for 30 days and you will ahve to pay after 30 days

Both of them give your credit score alogn with yrou credit report

All is needed is, you need to be vigilant and cancel this before 30 days once you sign up

Joined: 11 Aug 2009 Posts: 19 249 Magic Points

Well, fireyone, I try my best to avoid any confusion whatsoever. My finance management skills are not good and I am really not interested in all those details and the only way I know to avoid these confusions is just to keep credit score over 700 and that's it.

kelwllc · Guest 0 Magic Points

Believe it or not, there are two sites that offer a free score with no credit card! It only took me 4 months to find them, lol.

CreditKarma.com - Receive daily score from TransUnion (I verified this is the exact score TransUnion has; it's not one of those weird fabricated 'guestimate' scores)

Quizzle.com - Receive a FREE Experian report and score from Experian every 180 days

Unfortunately, I haven't found a freeby from Equifax yet. But I use the other 2 and have cross-referenced the info thru TrueCredit.com - it all checks out - pretty awesome!

Joined: 10 Sep 2009 Posts: 148 954 Magic Points

Thats really good information and really helpful information

Do they just gie you the score ot they also give you the full report

Joined: 10 Sep 2009 Posts: 148 954 Magic Points

some one else posted somewhere here creditkarma and another site quizzle. Both fo them are free and no hidden fee or ano credit card is needed

You cna free credit report and score and an update every 6 month with yoru credit score

try it, they look promising

Joined: 10 Sep 2009 Posts: 148 954 Magic Points

I just used credit quizzle to get my latest report and it was pretty good and easy

No credit card information needed nor your social security number

Some tiems it is scary that any one can pull a credit report with out even knowing the social security, but just need to be watchful

Gina · Guest 0 Magic Points

You can obtain a free credit score from creditkarma. It is free to sign up and you can update your score as often as you want. I am not sure of the accuracy, but have been told it is pretty accurate.

Joined: 03 Nov 2007 Posts: 3927 10 Magic Points

Gina,
I have not seen one yet that actually gives you a free score, I have seen them where they will provide you a free report, but the score always cost money. Have you actually gotten your score from this site??

Joined: 26 Feb 2008 Posts: 4285 127 Magic Points

That is my question also. How can a person be sure that this site isn't some way attaching your information. If you can view it then maybe others, possibly the site owners, could also view it. I am not trying to say it isn't legit...I am just saying for all the more a score costs why take they chance in having someone steal your information? That could really lead to damages that can be unrepairable, it what you feel you want to do but I would just be a little wary.

Joined: 03 Nov 2007 Posts: 3927 10 Magic Points

Yes fireyone, that is a real concern and you see it happening more and more. I work with a guy that just had his credit card heisted online, he had to shut it down, they charged two small items but tried a larger one from overseas and that is when the credit card company alerted him to the charges.

He is really preaching now about using your card online, I always use paypal to get the extra protection.

Identitiy theft is a real concern, great advice here.

Joined: 26 Feb 2008 Posts: 4285 127 Magic Points

Paypal is an excellent source for purchasing items on line. I also stopped at Wal mart for money orders the other day and seen they had a bunch of pre paid cards for Visa and other companies. This would be another way of making secure on line payments. It is simple to just go purchase a prepaid card for the amount of what you plan on spending and then using it. This would be really helpful to those whom do not do a lot of on line purchases. It would help protect against fraud and prtect your identity.

Joined: 15 Oct 2009 Posts: 63 1401 Magic Points

Hi, I do know that when you are denied credit, you can get one free. Also some banks will get you one if you ask and you are a regular customer. They usually don't charge for it either.

Joined: 03 Nov 2007 Posts: 3927 10 Magic Points

Yes ruthie, normally they will send you a letter telling you exactly how to obtain it.

I am not sure if you can go online and get the copy as a result of a denial or not.

Joined: 26 Feb 2008 Posts: 4285 127 Magic Points

Another thing is if you already used your free pulls and you got denied after using them you may not be qualified for a free look. I have seen those letters where they say you are denied, gotten them myself a long time ago. I just wonder if you have already used your free pulls and get a letter if you can get the extra views of your report since you were denied.

Joined: 10 Sep 2009 Posts: 148 954 Magic Points

If you are denied for any new credit, you have the right to get a copy of your credit report, regard less of if you pulled the free report ornot

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