Time to Check Your Credit Reports

  Happy New Year!  As we start 2009, many people are making resolutions, wanting to do things better and differently than they did in the past ... to do.  To get a copy of your credit report from one, two or all three of the credit bureaus ... on credit monitoring. If you want to know your current FICO scores, you can obtain all three [more...]

Date: 2009-01-03 17:05:27

Blog posts (20) | Videos (49)
 

Pitfalls of Bad Credit Credit Cards

Having lousy FICO scores, as we all know, affects our ability to pull out loans ... you for what you’ve done, they’ll report you to credit rating ... . As for the lending companies that do accept our request to borrow money, the rates [more...]

Date: 2008-12-27 14:35:46

Latest News in Credit Repair and Credit Score - Oct 8, 2008

Thumbs up for FICO revision - Baltimore Sun 2 Oct 2008 at 9:17pm F air Isaac Corp ... . The financial crisis is increasingly being felt by … Your credit report :: - Chicago Sun-Times 6 Oct 2008 at 9:45am You’ve got a right to get a free copy of your credit report — but figuring [more...]

Date: 2008-10-08 15:27:58

New credit score system ready for ‘09

By next spring, two of three credit reporting bureaus will use a new model. Fair Isaac, the developer of FICO scores, has made the biggest change to its mathematical credit ... points because of how the new model fine-tunes the variables it uses to evaluate consumers’ credit use [more...]

Date: 2008-12-15 15:07:34

Old Debts Under $100 Don't Matter Under FICO '08 [Fico]

An update to how the new FICO '08 scoring system got revamped this year: Collection ammounts where the original debt was under $100 will be totally disregarded, MarketWatch reports . Back in Feb we reported that they would still be taken into account but only matter less. Also, FICO'08 has been rolled out to all three credit bureaus since last month. Before it was only being tested at one and there was some disagreement over whether all the bureaus would accept it. [more...]

Date: 2009-09-24 17:00:00

Free FICO Score At Equifax (No Strings)

Written on 10/02/2008 by me, Jay White, the founder of Dumb Little Man and an all around average guy ... . As you may know, Equifax is one of the 3-primary credit bureaus in the US and its score is used heavily ... (as promotions do), you can also obtain a free credit report at annualcreditreport.com. While it won't give [more...]

Date: 2008-10-02 12:12:54

Account Closed

It was a giant step for me, but when I realized I haven't used the account since last February--12 months--I decided to call and close my Discover ... cards.I'm eligible for my free credit report in a month or so, and I hope to go through that and make sure ... me a hard time. Started talking to me about my FICO score and how closing an account that I've [more...]

Date: 2009-01-10 16:35:00

FREE Report: How to Save Money as a Family

As a special gift to readers of this blog, I’d like to give you this free report on how to save money as a family ... Instantly! Excerpt from report: Paying Down Debt The credit crunch has hurt many consumers who have credit cards.  Due to the fact that the banks are hesitant to lend money unless one’s FICO score is 750 [more...]

Date: 2009-01-09 03:07:08

Free Credit Report and How to Improve Credit Score

Improve credit score now! Because as well known consumers with higher FICO scores are considered to be less risky by lenders ... to illustrate a consumer’s general level of credit risk. How might you tell whether a score ... your report and score regularly you’ll ensure the absence of errors therein. This control is really [more...]

Date: 2008-12-31 22:49:02

Banks, Loans & How To Save Big Bucks

When shopping around for a loan, whether it be auto, home or consolidation, most individuals turn toward banks for the money that they need ... . Are you familiar with your credit report and FICO score? If not, you should be. Visit annualcreditreport.com to receive a free copy of your credit report, from each of the three credit reporting [more...]

Date: 2008-11-24 07:47:36

Credit Repair Help - It’s Not As Hard As You Think!

by Mark Alison It’s hard to live with bad credit. You need credit to lease a house or car ... to get your credit back in good standing, some sacrifice should be made. Equifax, Experian, and Trans Union are the three credit reporting agencies that report to FICO. FICO is who keeps your credit score [more...]

Date: 2008-12-28 22:13:40

Tips For Your Credit Report

by Jim Bransby A personas credit score can tell a lot about a person and it can even help someone make life changing decisions ... credit report sites. One site will give you the FICO score which was produced by the group Fair Isaac ... an individual will be able to receive a full report of their credit history and what exactly is showing [more...]

Date: 2008-11-25 15:00:21

Fico And Tri-merge Credit Scoring

Credit score information is somewhat of a mysterious commodity. It’s interesting that the average person doesn’t understand how it works ... year via telephone. Get online and perhaps find a site that supplies your credit report and find ... . For example, do you know when you first started to build credit? The first thing I applied [more...]

Date: 2008-07-18 02:51:54

The Daily Poverty Post.

First of all, isn’t it funny that when conjuring the telephone, we think of the above? ... , this safe site will provide you with one free FICO score and credit report every 12 months — ... out how to call your credit card company to renegotiate your interest rate! Before we begin [more...]

Date: 2008-12-06 17:33:45

What is my fico score?

The following post in our Reader Question series is an actual user submitted question ... of Equifax’s credit monitoring service. You get your Equifax FICO score as well as all three bureaus’ credit reports plus 3-bureau credit monitoring and some other goodies. It’s a great service so you may [more...]

Date: 2009-01-14 18:46:28

New Year, Better Credit Score: Post 3

stockxpertcom_id12723501_size0-743295.jpg So FICO has branded you with a not-so-desirable credit score and you have made the resolution to bring ... month.  Remember also, not all debt is bad.  Items like mortgages and car loans on your credit report ... and see if they will take the late payment off so it doesn’t show up on your credit report [more...]

Date: 2009-01-10 15:55:57

New threats to credit scores

New threats to credit scores A revised FICO formula will kick in soon, and the balances you carry will matter more than ever ... new year despite weak data The first economic report of 2009 shows the worst manufacturing reading ... dispute won’t cause shortages in Europe. The Optimality of Uniform Pricing in IPOs: An Optimal [more...]

Date: 2009-01-02 19:19:15

Catching Up

So.  I should really go over what I have accomplished last year (and this year, to date) in my quest to become debt-free. I managed to totally clear up my credit card debt, and, to my surprise, when I sent for my free annual credit reports, and ordered my FICO scores, I found that it had improved, over the time [more...]

Date: 2009-01-16 05:41:49

Find Your Perfect Auto Loan Deal Online

by John Brennan Recently the credit market has tightened its neuse and causing a major concern with all potential new car buyers ... use a unique credit report only available to the auto industry called the “Fico Auto Industry Option ... , Experian, and Transunion. One good tip of advice is to research your credit report and credit score [more...]

Date: 2008-12-09 12:05:04

FICO Fitness Fundamentals

A FICO score is the number that determines the interest rate you pay on credit cards, car loans and mortgages ... credit bureaus: Equifax, Experian and TransUnion. The FICO score is linked to just about every ... in your favor) Don’t apply for any new credit cards Review your credit report periodically to make [more...]

Date: 2008-11-25 16:08:53

20 Results