Comments on: How To Get Your Free FICO Credit Score And Avoid Fake Credit Offers http://www.moneybluebook.com/how-to-get-your-free-fico-credit-score-and-avoid-fake-credit-offers/ Personal Finance Beyond Credit Cards and Balance Transfers Sat, 07 Nov 2009 22:04:14 -0500 http://wordpress.org/?v=2.8.5 hourly 1 By: Brian http://www.moneybluebook.com/how-to-get-your-free-fico-credit-score-and-avoid-fake-credit-offers/comment-page-2/#comment-100867 Brian Sat, 10 Oct 2009 13:03:30 +0000 http://www.moneybluebook.com/?p=473#comment-100867 Ron: Your Fico score from Transunion vs Equifax can be 50 points in difference, ask the bank what credit reporting agency they are using vs your source. If they are the same source then it could be that the bank is getting their number in the beginning of the month and ou are getting your report at the end of the month (if that is the case, then it shuold go up next month at your bank 50 points). Others on this board check the Sears solutions card by HSBC - it offers a free FICO score every month. Good alternative to the old Washington Mutual card we all lost out on. Ron:
Your Fico score from Transunion vs Equifax can be 50 points in difference, ask the bank what credit reporting agency they are using vs your source. If they are the same source then it could be that the bank is getting their number in the beginning of the month and ou are getting your report at the end of the month (if that is the case, then it shuold go up next month at your bank 50 points).

Others on this board check the Sears solutions card by HSBC – it offers a free FICO score every month. Good alternative to the old Washington Mutual card we all lost out on.

]]> By: Ron http://www.moneybluebook.com/how-to-get-your-free-fico-credit-score-and-avoid-fake-credit-offers/comment-page-2/#comment-100123 Ron Tue, 06 Oct 2009 18:58:59 +0000 http://www.moneybluebook.com/?p=473#comment-100123 Something is not right. I went to Wells Fargo and they ran my credit report on 9/25/09 and then I signed up for the free 30 days on Equifax (#3 on the list) and the score I got form the website was 50 points higher. Both should be my FICO scores, and if they only update once a month, how can they be 50 points of difference?? Something is not right. I went to Wells Fargo and they ran my credit report on 9/25/09 and then I signed up for the free 30 days on Equifax (#3 on the list) and the score I got form the website was 50 points higher. Both should be my FICO scores, and if they only update once a month, how can they be 50 points of difference??

]]> By: Ron http://www.moneybluebook.com/how-to-get-your-free-fico-credit-score-and-avoid-fake-credit-offers/comment-page-2/#comment-100081 Ron Tue, 06 Oct 2009 14:25:22 +0000 http://www.moneybluebook.com/?p=473#comment-100081 Serious short term repairs to my credit score. I am paying down all my debt and cleaning up some incorrect items on my report in order to get a mortgage. I have found a house and I need to know when my score is high enough to get the financing to buy it. It's a race to see if I can clean things up before it is sold. Any idea what time of the month that the scores are updated? Serious short term repairs to my credit score. I am paying down all my debt and cleaning up some incorrect items on my report in order to get a mortgage. I have found a house and I need to know when my score is high enough to get the financing to buy it. It’s a race to see if I can clean things up before it is sold.

Any idea what time of the month that the scores are updated?

]]> By: Shane http://www.moneybluebook.com/how-to-get-your-free-fico-credit-score-and-avoid-fake-credit-offers/comment-page-2/#comment-99974 Shane Mon, 05 Oct 2009 21:48:44 +0000 http://www.moneybluebook.com/?p=473#comment-99974 Ron- There are banks out there that offer unlimited FICO credit scores for their banking customers. I recall some Pennsylvania credit union that offered its account holders free and unlimited access to their FICO scores. However, the scores were not updated everyday - just once a month. On another note, why would you need your FICO score to do home repairs? Thinking of getting a loan? Ron- There are banks out there that offer unlimited FICO credit scores for their banking customers. I recall some Pennsylvania credit union that offered its account holders free and unlimited access to their FICO scores. However, the scores were not updated everyday – just once a month.

On another note, why would you need your FICO score to do home repairs? Thinking of getting a loan?

]]> By: Ron http://www.moneybluebook.com/how-to-get-your-free-fico-credit-score-and-avoid-fake-credit-offers/comment-page-2/#comment-99970 Ron Mon, 05 Oct 2009 21:23:54 +0000 http://www.moneybluebook.com/?p=473#comment-99970 Is there a way to pay for unlimited FICO scores? I need to do some serious short term repairs and want to watch the score as I make the changes. Is there a way to pay for unlimited FICO scores? I need to do some serious short term repairs and want to watch the score as I make the changes.

]]> By: Ducky http://www.moneybluebook.com/how-to-get-your-free-fico-credit-score-and-avoid-fake-credit-offers/comment-page-2/#comment-94090 Ducky Wed, 02 Sep 2009 20:08:26 +0000 http://www.moneybluebook.com/?p=473#comment-94090 Hey, Who asked these three companies to keep track of my personal information any way? I know it wasn't me. I know it wasn't the government. And they want to "CHARGE ME A FEE" to purchase my own personal information, because they decided to create a "FICO" scoring system. This is bull. PLUS, They can't even enter the right data. There are always problems and type-o's on these reports. This is just so un-american I say. Hey,
Who asked these three companies to keep track of my personal information any way?
I know it wasn’t me. I know it wasn’t the government.

And they want to “CHARGE ME A FEE” to purchase my own personal information, because they decided to create a “FICO” scoring system. This is bull.
PLUS, They can’t even enter the right data. There are always problems and type-o’s on these reports.

This is just so un-american I say.

]]> By: Steve http://www.moneybluebook.com/how-to-get-your-free-fico-credit-score-and-avoid-fake-credit-offers/comment-page-2/#comment-91655 Steve Mon, 24 Aug 2009 02:11:26 +0000 http://www.moneybluebook.com/?p=473#comment-91655 How often can I sign up for the free trial period with MyFico? Or is that a one time only offer? How often can I sign up for the free trial period with MyFico? Or is that a one time only offer?

]]> By: Britni http://www.moneybluebook.com/how-to-get-your-free-fico-credit-score-and-avoid-fake-credit-offers/comment-page-2/#comment-88320 Britni Sun, 09 Aug 2009 21:24:51 +0000 http://www.moneybluebook.com/?p=473#comment-88320 I wish I would have read this a couple of weeks ago. I went thru a divorce earlier this year and would like to purchase a home. I am just a few points lower than the minimum requirement with the bank I want to go through. I wanted to watch the lowest score to see when I got above the limit (as there are lots of incorrect data on my report right now). I ended up signing up for each agencies site and got 2 fake scores and a real FICO. I wish I would have read this a couple of weeks ago. I went thru a divorce earlier this year and would like to purchase a home. I am just a few points lower than the minimum requirement with the bank I want to go through. I wanted to watch the lowest score to see when I got above the limit (as there are lots of incorrect data on my report right now). I ended up signing up for each agencies site and got 2 fake scores and a real FICO.

]]> By: Bob http://www.moneybluebook.com/how-to-get-your-free-fico-credit-score-and-avoid-fake-credit-offers/comment-page-2/#comment-88128 Bob Sat, 08 Aug 2009 14:37:04 +0000 http://www.moneybluebook.com/?p=473#comment-88128 WAMU used to offer it for free but since they switched to Chase, it's $7.95 a month. I hate Chase. WAMU used to offer it for free but since they switched to Chase, it’s $7.95 a month. I hate Chase.

]]> By: Helen Levasseur http://www.moneybluebook.com/how-to-get-your-free-fico-credit-score-and-avoid-fake-credit-offers/comment-page-2/#comment-87509 Helen Levasseur Wed, 05 Aug 2009 00:21:43 +0000 http://www.moneybluebook.com/?p=473#comment-87509 Oops forgot something - - -WAMU discontinued this service March 1,2009 Oops forgot something – - -WAMU discontinued this service March 1,2009

]]> By: Helen Levasseur http://www.moneybluebook.com/how-to-get-your-free-fico-credit-score-and-avoid-fake-credit-offers/comment-page-2/#comment-87507 Helen Levasseur Wed, 05 Aug 2009 00:18:16 +0000 http://www.moneybluebook.com/?p=473#comment-87507 When I last checked my FICO it was in January this year(2009). At that point it was 828 and that was done thru WAMU.They have not offered these free credit reports nor a free FICO score. What do you suggest for me ? I got tied into one of those "offers" through one of the reporting agencies and I'll bet it took me 6 months to get rid of them regardless of how many times I told them to STOP! And of course they continued to charge all the while. Getting away from them is much like cancelling AOL@. And Verizon is just like AOL! I would rather pay someone $15 and get it over with than having to put up with one of these companies. Is there any way to do this? Thanks, Helen When I last checked my FICO it was in January this year(2009). At that point it was 828 and that was done thru WAMU.They have not offered these free credit reports nor a free FICO score. What do you suggest for me ? I got tied into one of those “offers” through one of the reporting agencies and I’ll bet it took me 6 months to get rid of them regardless of how many times I told them to STOP! And of course they continued to charge all the while. Getting away from them is much like cancelling AOL@. And Verizon is just like AOL! I would rather pay someone $15 and get it over with than having to put up with one of these companies. Is there any way to do this? Thanks,
Helen

]]> By: Gretchen Rae http://www.moneybluebook.com/how-to-get-your-free-fico-credit-score-and-avoid-fake-credit-offers/comment-page-2/#comment-86632 Gretchen Rae Thu, 30 Jul 2009 19:10:48 +0000 http://www.moneybluebook.com/?p=473#comment-86632 So what is a good credit score? I have a 710 FICO credit score. Is that considered a good credit score for credit card application and even home mortgage application purposes? I'm not just talking about mere approval...but qualifying for the prime top interest rates for loans. I've heard that due to the economy and the way the financial markets are now...it's harder than before to qualify for anything to do with credit. In the olden days you could count on a 700's FICO score to take you places...but nowadays, you almost need a high 700's or even in the 800's for the best rates. So what is a good credit score? I have a 710 FICO credit score. Is that considered a good credit score for credit card application and even home mortgage application purposes? I’m not just talking about mere approval…but qualifying for the prime top interest rates for loans. I’ve heard that due to the economy and the way the financial markets are now…it’s harder than before to qualify for anything to do with credit. In the olden days you could count on a 700’s FICO score to take you places…but nowadays, you almost need a high 700’s or even in the 800’s for the best rates.

]]> By: Ric Lee http://www.moneybluebook.com/how-to-get-your-free-fico-credit-score-and-avoid-fake-credit-offers/comment-page-2/#comment-86029 Ric Lee Mon, 27 Jul 2009 07:11:09 +0000 http://www.moneybluebook.com/?p=473#comment-86029 I MISS WAMU!!! Free FICO scores! Now CHASE discontinued the service. I HATE THE CREDIT REPORTING SYSTEM!!! WHY AM I PAYING FOR MY OWN INFORMATION!!! AND WHY SO COSTLY?!! I MISS WAMU!!! Free FICO scores! Now CHASE discontinued the service.

I HATE THE CREDIT REPORTING SYSTEM!!! WHY AM I PAYING FOR MY OWN INFORMATION!!! AND WHY SO COSTLY?!!

]]> By: Richard A. Kraft http://www.moneybluebook.com/how-to-get-your-free-fico-credit-score-and-avoid-fake-credit-offers/comment-page-2/#comment-84525 Richard A. Kraft Sun, 19 Jul 2009 23:29:29 +0000 http://www.moneybluebook.com/?p=473#comment-84525 Please inform me of any one offering totally free fico credit scores. Thanking You, I am: Richard A. Kraft 855 W. Aldine Ave. - 1603 Chicago, IL 60657-2370 richardakraft@sbcglobal.net Please inform me of any one offering totally free fico credit scores. Thanking You, I am:
Richard A. Kraft
855 W. Aldine Ave. – 1603
Chicago, IL 60657-2370
richardakraft@sbcglobal.net

]]> By: Patty http://www.moneybluebook.com/how-to-get-your-free-fico-credit-score-and-avoid-fake-credit-offers/comment-page-2/#comment-79736 Patty Wed, 24 Jun 2009 18:27:10 +0000 http://www.moneybluebook.com/?p=473#comment-79736 I get my free ficos core through my credit union here in Pennsylvania. I think it's even an Experian fico which is supposedly in hot demand right now since they don't issue them publicly anymore. Getting your credit score from myfico's trial offers is a great idea though - a form of aggressive deal seeking. I like it! I get my free ficos core through my credit union here in Pennsylvania. I think it’s even an Experian fico which is supposedly in hot demand right now since they don’t issue them publicly anymore. Getting your credit score from myfico’s trial offers is a great idea though – a form of aggressive deal seeking. I like it!

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