Credit report
Where to Get Your Free Credit Report?
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 [...]
Equifax Credit Monitoring Silver Free Two-Year Subscription
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. [...]
Authorized Users Will Be Allowed in FICO Score Calculation
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 20% off Summer Sale on All 3 Credit Scores
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 [...]
TransUnion Settlement to Let You Get Free Credit Score
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 [...]
TransUnion VantageScore Credit Score: NOT A FICO Score
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 [...]
Changes are Coming to Fair Isaac’s FICO Credit Score Calculation
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 [...]
Credit Inquiries: Hard Pull vs. Soft Pull
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?
The following are what I have found out.
What they are
“Hard pull” usually refers to [...]
Free Credit Report and Fee-based Credit Monitoring Services
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 [...]
Class Action Settlement with Equifax and Fair Isaac (myFICO): Get 3 Free Months of Score Watch
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 [...]
