Accumulating wealth is like building The Great Wall, one brick at a time
Category: Credit reportBy Sun on Jan 8, 2008 in Credit report | 5 Comments
Every January, May, and September is free credit report time for us and we have been getting one credit report for free every four months from one of the three credit bureaus for many years, well before the law that made everybody eligible for a free report every calendar year. On January 3, I requested […]
By Sun on Jan 3, 2008 in Credit report | 5 Comments
According to an article on MSN Money published today, Fair Isaac, the creator of the popular FICO credit score, will adjust the way it calculate a person’s credit worthiness to better reflect “who’s a good risk and who’s a bad one” at the time when people intend to have, and use, more credit cards than […]
By Sun on Jun 11, 2007 in Credit report | 18 Comments
The terms “hard pull” and “soft pull” often pop up when people talk about credit report, credit history, or credit inquiries. So what exactly are they and how do they affect credit scores?
The following are what I have found out.
What they are
“Hard pull” usually refers to credit inquiries that are initiated by you. When […]
By Sun on May 2, 2007 in Credit report | 7 Comments
May 1st was the one of the three times in a year that we request a free credit report from one of the three credit agencies. We have been doing this, getting a free credit report every four months, for several years and it had worked out quite well for us. All I need to […]
By Sun on Mar 6, 2007 in Credit report | 4 Comments
I received this email notice this morning about the class action settlement for cases Hillis v. Equifax Consumer Services, Inc. and Fair Isaac Corp., Case No. 1:04-CV-3400 (USDC, ND GA) and Slack v. Fair Isaac Corp. and MyFICO Consumer Services, Inc., Case No. 1:07-CV-314 (USDC, ND GA):
You may be eligible to receive a benefit from […]
By Sun on Feb 9, 2007 in Credit report | 1 Comment
The Federal Trade Commission yesterday released its annual report (click here to download the report) on top consumer complaints for 2006. The report found that for the seventh year in a row, “identity theft tops the list, accounting for 36 percent of the 674,354 complaints received between January 1 and December 31, 2006.” And consumers […]
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