 My Experian Credit Score is 644, my Equifax is 617. Which one is right? |
| I am getting married soon. My fiance and I have about the same credit scores. Which one is right for mine? Also, will it be hard to get a loan for mortage with our credit scores ranging 600-660?... |
|
 Can my bank sue me for not paying back an Overdraft? |
Hi,
Basically in a short sharp nutshell my bank removed my £300.00 overdraft (as apparently it was ready for review - although I wasn't made aware of this until the kind lady on the phone ... |
|
 How do I find my credit score for free? |
| In other words which companies offer free annual or semi-annual ... |
|
 Online debit card? |
I'm only 17 but I desperately need an online debit card. It needs to be able to give or receive cash, and of course start with $0 (because it's not a credit card).
I have to ... |
|
 What credit card is better?? |
| I want to open up a gas card pretty soon, so I'm looking around. I live in Northern CA, and there are many Valeros, Shells,and BP stations like AMPM around. Would I be better off applying for a S... |
|
 If I want to consolodate all my bills by refinancing my house? |
| I would like to refinance my house and consolodate all my credit card debt into it......does that require getting my house appraised????... |
|
 A collection agency is offering 40 cents on the dollar, but says the offer's only good for a day. Is it? |
| A collection agency contacted my mom two days ago for a delinquent account. The person she is speaking to is offering a 40 cent on the dollar cash payout on a $13,000 balance, but says that the ... |
|
 Pin number reversal? |
| PIN NUMBER REVERSAL "If you should ever be forced by a robber to withdraw money from an ATM machine, you can notify the police by entering your Pin # in reverse. For example if your pin number ... |
|
 Is it me or is HSBC have the worst Customer Service ever? |
| They have the worst Collectors and customer service reps ever. They constantly try over-talk you will call you a liar to your face. After today I will start recoeding my conversations with them. T... |
|
 Auto loan with a FICO score of 750? |
Is it likely or unlikely for me to get approved for an auto loan?
What do you think the APR would most likely be for a 750 fico score?
I have no negative or derogatory on my ... |
|
 Will it hurt my credit if I pay my mortgage one day late.? |
| I waiting for my paycheck to clear. And my mortage is with the same bank that I have my checking account with.... |
|
 Why are people so judgmental when it comes to credit? |
| I see a lot of people on here who answer questions about credit that put others down who are seeking help b/c of poor decisions. They rub it into the person's face that they have flawless credit ... |
|
 Worth closing credit card? |
| I have one payment left on a high interest credit card and then it'll be payed off. I also pay a $50 annual fee with or without money owed (got the card when I was younger with no credit to my ... |
|
 Has anyone ever used a credit monitoring or credit alert service? |
| I am thinking about signing up for a credit alert service through one of the 3 credit agencies. They all offer som many different options but I would like to no how well they work.... |
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YumYum | Has anyone ever got a credit report from www.freecreditreport.com? |
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 |
 
dslcobra
|
As a mortgage broker, I can say that those free credit rports are a money making scheme. Yes they do give you a fical score but in many cases it is not worth it.
Your credit is composed of your credit history as well as your UPPER, MIDDLE and LOWER credit scores as pulled from Transunion, Experian and Equifax credit reporting systems.
I normall do all my credit reports at CIS Information Services (phone number 800-275-7722) because they are better prepared.
I have had clients who try to show me their online credit reports and they only have ONE fico score on them. One score is not enough to see you're overall credit so be careful what company online you choose.
also keep in mind that the only credit score banks will be interested in is your MIDDLE FICO.
Your highest fico is not used because it isn't fair to the bank's, and the lowest score is not used because it isn't fair to you.
Also note that a credit report costs about $10. FreecreditReport.com forces you to use a credit card to sign up for a trial period of their service. I won't even bother to mention how many call lists and advertisements you will be solicited for if you put your information in their hands. |
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Francisco F
 |
yes |
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echo
|
I agree with george, that is a rip-off.
Only use the federal government site to get your free FACT-Act reports. George has the link in his post. |
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sharon_grubbs2001
 |
no |
|
Mo
|
No.
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Please help me beat Ciara or Stephen Hawking in my record-setting Yahoo! Answers question:
http://answers.yahoo.com/question/?qid=20060724231021AAdFN5j&r=w
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Thank you! |
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Minister of Peace
|
I tried and found out it wasn't free. Pixxed me off. |
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♥ Lisa♥
 |
yes and its not free.. either.. have to enter your c/c info ..
its not worth it.. google up, equifax, experian and there is one more.. i forget the name.. you can get a free report mailed to you from the once a year |
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george
|
Yes. It's a rip-off. It's NOT free, they just want to force you to sign up to pay for their credit reporting service before you can get the report.
The government now mandates that you are allowed to see your credit report for free once a year. But the only reliable, genuinely free credit report site on the web is http://www.annualcreditreport.com
They will give you reports from THREE different reporting agencies: Equifax, TransUnion and Experian.
Granted, they will try to sell you other credit reporting services while you're there, but it's easy to just check "no thanks" and then you get the reports absolutely free. |
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DragonHeart18
|
Yes and it's not free. They have this on the side in print that you can barely read.
"IMPORTANT INFORMATION:
When you order your free report here, you will begin your free trial membership in Triple AdvantageSM Credit Monitoring. If you don't cancel your membership within the 30-day trial period, you will be billed $12.95 for each month that you continue your membership.
ConsumerInfo.com and Freecreditreport.com are not affiliated with the annual free credit report program. Under a new Federal law, you have the right to receive a free copy of your credit report once every 12 months from each of the three nationwide consumer reporting companies. To request your free annual report under that law, you must go to www.annualcreditreport.com."
Make sure you read this before you sign in. |
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