The Sun's Financial Diary

Nowadays, a lot of things are becoming increasingly difficult to do without a good credit history, while at the same time, those days of easy credit has probably gone forever, thanks to the financial crisis that has put a squeeze from lenders and borrowers alike.
Not only will a good credit history help get the loan [...]

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, is widely used by lenders to evaluate a borrower’s credit worthiness when he/she applies for a credit card, open a bank account, or even rent an apartment.
However, FICO score isn’t [...]

I bet  you have either watched the Free Credit Report commercial on TV or heard it on radio, not just once, but many times.

It’s a nice commercial, but do you really get what is advertised?
While it’s true that you can indeed get a free credit report, which is the center piece of this commercial, you [...]

If you are an American Express cardholder, you can view your Experian credit score and credit report for free.

This isn’t the FICO credit score that’s widely used by lenders which you can purchase from myFICO.com. It’s in fact the PLUS Score developed by Experian. In February, Experian decided to end its 6-year relationship with FICO. [...]

The first time I wrote about Credit Karma was in January 2008, shortly after the web site which provides its customers with free credit scores, was launched. Initially, I was a little skeptical about their service, because they are giving one of the most important pieces of personal information, the credit score, for free, while [...]

Update: This offer has expired.
But you need to act quickly.
Equifax is offering free FICO score again through FreeFICOScore.com again is  to the first 10,000 people who request their scores.
I got my free FICO score last time when the promotion was ran in January. The process of requesting your score was quite simple, taking only a [...]

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 [...]

Credit score is a three–digit number generated on the basis of your credit report. Most of the lenders judge the financial stability of a person through their credit scores. A FICO credit score ranging within 720 to 800 is considered to be a good credit score. A high credit score will help you to avail [...]

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. [...]