Archive for the 'Credit Report' Category
It’s generally common knowledge that you are eligible for a free credit report every twelve months from annualcreditreport.com. It’s also fairly well known that you can get a free copy of your credit report when you’ve been turned down for credit. Up until now, however, getting a hold of your credit score for free hasn’t [...]
According to Lifelock, their service provides a “basic layer of protection against identity theft” by attempting to detect when your personal information is being used to apply for new credit and alerting you when this happens. I have never used their service so I can’t endorse it, but they have given me 5 complimentary year-long [...]
American Express is offering a service called “My Credit Score & Report” that gives customers a free Experian credit report and score when they enroll. You’ll have 30 days to access your report and score, at which time your membership will automatically lapse without having to cancel. This offer is available online at americanexpress.com/creditreport (Via [...]
With the current FICO scoring algorithm having been originally released in 2002, it has been due for an overhaul. Now, the new version, dubbed FICO 08, is set to finally be rolled out soon.
By now, news of credit card issuers cutting credit limits, hiking interest rates and closing inactive accounts is commonplace and has reached the mainstream. An oft overlooked consequence of these actions by banks is that a consumer with a perfect payment history and who has managed their credit responsibly could still find their credit score [...]
If you’re looking for a credit monitoring service that gives you access to scores and reports from all three credit bureaus, pullable daily, then TrueCredit has a good option. The regular price of TrueCredit’s 3-Bureau Credit Monitoring is $14.95, but this offer allows both new and existing subscribers to get a rate of $9.95/month. Existing [...]
Consumers who had a credit card, loan or credit account between 1987 and May 28, 2008 can now register to receive free TransUnion services for a limited time. This benefit is the result of a class action settlement stemming from TransUnion’s sale of consumer information to other businesses for marketing purposes.
MyFICO.com has two new promo codes good for a 30% discount on all credit reports and scores, valid through May 26, 2008. The codes are EQFX30 and WATCH30 (for ScoreWatch). MyFICO.com (Via SD)
In an effort to more accurately assess the credit risk of borrowers, Fair Isaac is making further tweaks to its formula for credit scoring. The Wall Street Journal and MSNMoney have recently reported on some of the changes in the pipeline. Highlights of the new scoring model, called FICO 08, include: Eliminating the benefits of [...]
If you need your true FICO score and/or report, myfico.com has a coupon currently valid for 25% off your order: HOLIDAY25. This offer is valid until November 30, 2007. (via SD) Note that if you are only interested in looking at your report (and don’t need the score), you’re entitled to one free credit report [...]