The Sun's Financial Diary

But you have to be quick because it’s only good for the first 10,000 people only.
myFICO is offering free credit score for registered myFICO Forum users. Check out details of how to get your free score at My Money Blog and see the details. Or you can simply use this link, then click the “Get [...]

So where do you get your free credit report?
You probably have heard a lot of commercials on the radio touting free credit reports for people who are eager to find out their creditworthiness in the eyes of creditors. If you get yours from one of the places like freecreditreport.com, which is a service from [...]

Found this deal on FatWallet.com.
The free 2-year subscription is supposed only to be available to Ocean Bank customers, but somehow it works for everyone with the promotion code, whether you are a true Ocean Bank customer or not (at least I get through without any problem):
This offer is for Ocean Bank personal deposit customers only. [...]

This is a good news for people with poor credit score or just started building their own credit history.
Last year, when Fair Issac, the creator of FICO credit score, announced that it no longer considers authorized user accounts when calculating FICO score, the action generated quiet some discussions because it affected many people negatively and [...]

myFICO, the official provider of FICO credit score， is now having a summer sale with 20% off on all 3 credit scores from Equifax, Experian, and TransUnion (FICO Credit Complete). The original price of FICO Credit Complete is $47.85. Now till July 31, you can get it for $38.28 using promo code Summer20. I never [...]

According to a MarketWatch report yesterday, TransUnion, one of the three major credit report agencies, has settled a class action lawsuit which could mean free credit score and credit monitoring service for up to 9 months for millions. The lawsuit accused that TransUnion sold customer information to third parties for targeted marketing effort, an allegation [...]

VantageScore is NOT FICO socre. And here are how the two are different.
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 [...]

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 [...]

The terms “hard pull” and “soft pull” or “hard credit check” and “soft credit check” 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?
What Are Hard Pull and Soft Pull?
“Hard pull” usually refers to credit inquiries that are [...]

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 [...]