Quizzle Offers Free Credit Score and Report
I have been using Credit Karma to get free credit score for quite some time now. What I like about Credit Karma is the I can update my score as many times as I want, though the score is unlikely to change if the update interval is too short. While Credit Karma is a nice [...]
Is CreditKarma Useful?
Or should I say “useless”?
I wrote a lengthy review of CreditKarma back in March. At that time, I thought I could use the free service to monitor my credit score because, though it isn’t really the FICO score, I can still use the relative changes to have an idea on how my credit score moves. [...]
Do I Need a Credit Monitoring Service?
I always consider myself pretty good at managing my own credit. Then last week, I had this idea of getting a credit monitoring service. The reason is because of some recent activities in my credit that could have a negative impact on my score.
First in June, when I got my current job, I signed an [...]
Free Credit Score for American Express Card Members
The free credit score offer seems to be back again.
I got my free Experian PLUS score back in April when AMEX offered the deal to cardholders. Though it’s not the most widely used FICO score, it should still give you an idea of your credit worthiness if you haven’t checked your score recently. And it’s [...]
What Can You Expect to See on Your Credit Reports?
I have been getting free credit report for years. Before there was the law that entitles every consumer a free report from each credit agency every 12 months, I requested my reports directly from Equifax, Experian, or TransUnion for free. Then after the Fair Credit Reporting Act (FCRA) became law, I started to use AnnualCreditReport.com [...]
Secured Credit Cards for People with Poor Credit
For people with good credit, they probably won’t have any problem obtaining a regular credit card. However, for many who either don’t have a credit history at all or have a less desirable credit, the only way to build or rebuild credit is getting and using a secured credit card. Since there are occasions, such [...]
Credit Score Types and Score Ranges
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 [...]
Free Credit Report Isn’t Really Free After All
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 [...]
Free Experian PLUS Score for American Express Cardholders
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. [...]
Credit Karma Free Credit Score Service Can Help You in This Economic Environment: An Interview with CEO Ken Lin
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 [...]
