The Sun's Financial Diary

When we talk about credit score, we usually refer to the FICO score developed by Fair Isaac. FICO score, which can be purchased at myFICO.com, is widely used by lenders to evaluate a borrower’s credit worthiness before making the decision when he or she applies for a credit card, open a bank account, or even [...]

Credit Sesame provides Experian credit score and other money saving advice to its customers totally free. Do you check your credit score regularly? If so, what service do you use? Paid credit monitoring services or free services such as Credit Karma? I have thought about using a paid service before, but ended up using Credit [...]

A couple of weeks ago, I wrote about a new website Credit Sesame which lets customers get their credit score for free. That puts Credit Sesame in direct competition with other sites such as Credit Karma and Quizzle, both have been discussed here before, because the center piece of their offerings, from what I can [...]

Credit Karma, which has been offering its customers free credit score since 2008, is getting better. Last night, I received an email from Credit Karma (I have been using their free credit monitoring service since March 2009), announcing that two new free credit scores are now available at Credit Karma, one is VantageScore, a credit [...]

So the other day, I got my free FICO score from myFICO (I have updated that post from September with procedures on how to get the free score and how to cancel the free trial, both very easy). While I was quite pleased with my score, 793 on November 16th, there were a couple of [...]

The Federal Reserve issued an online guide to credit reports and credit scores yesterday. The Consumer’s Guide to Credit Reports and Credit Scores contains such basic information as the contents of credit reports, how credit scores are used, the importance of protecting personal credit histories and how to obtain a free credit report. If you are [...]

Nowadays, there are many places from where I can get a credit score, either for free (such as Credit Karma or Quizzle) or with a fee (such as Experian or TransUnion). With the free credit scores, I can have a pretty good idea of how my credit looks like, even though I pay more attention to [...]

myFICO, the official website for FICO credit score, is now offering FICO score for free with a free trail of FICO Score Watch, a credit monitoring service. The free trail period of Equifax Score Watch is 10 days. You will get your FICO score for free when getting your Score Watch and you can cancel [...]