Will the Free Credit Report Pirates Have to Walk the Plank?
Beginning April 1, new FTC rules require marketers to disclose whether free credit reports come with strings attached.
Archive for the ‘Credit Reports’ Category
Contact Information for Experian, Equifax, and TransUnion
Most everyone knows that it’s important to check your credit report on a regular basis. But how do you fix a credit report error if you find one? Dispute it, of course.
Here is the contact info for the three major credit reporting bureaus, including the mailing address, phone number, and a link to their online [...]
MyFICO Discount Codes
Every once in awhile I run across MyFICO discount codes, so I thought I’d start compiling them here in one place. For starters, here are two codes that give you 20-30% off your purchase:
myFICOis8 – 30% discount!
CPPSAVINGS – 20% discount!
As always, they also offer a free 30 day trial on their ScoreWatch service, which gives [...]
Free Credit Scores from Credit Karma
Have you ever heard of Credit Karma? If not, you should check them out. They offer free credit score tracking. No, it’s not a real FICO score — for that, you’ll need to try a service like MyFICO ScoreWatch — but it still gives you a sense for where you stand. And like I said [...]
Nine Ways to Improve Your Credit Score
For those of you who are trying to shore up your credit score, here are ten tops for improving your credit score, courtesy of the Washington State Department of Financial Institutions. Most of this is pretty standard stuff, but it’s still worth keeping in mind.
Pay your bills on time
If you missed a payment, get current [...]
Experian Credit Scores to Go Dark
If you want to see your Experian credit score, you’d better hurry. Fair Isaac, the company that created the FICO score, will not be allowed to sell credit scores based on Experian’s data beyond February 14th, 2009. In the past, you’ve been able to check your FICO scores based on data from all three credit [...]
myFICO 50% Discount
For the next two days, you can get 50% off any myFICO products by entering the promo code 50FICOKIT when you sign up. Also keep in mind that most of their offers come with a free trial, which can be cancelled at no cost before the trial runs out. If nothing else, you can use [...]
Beware the Phantom Credit Check When Opening a Bank Account
Did you know that banks sometimes perform a hard credit check before allowing you to open an account? While this most often happens when you open an account with an overdraft line of credit, it can happen with plain old checking and savings accounts, as well.
Why should you care?
Because hard credit checks can reduce your [...]
Surviving the Economic Crisis With Your Credit Intact
As a followup to my earlier article about credit card issuers reducing credit limits, I wanted to highlight some emerging problems in the credit realm, along with some tips for protecting yourself.
Credit Card Issuers Reducing Limits
As I noted previously, card issuers have started reducing their customers’ limits as credit has become tighter. Here’s how [...]
“Credit Crisis” Sale at myFico.com
I recently received an e-mail touting a 20% off sale on credit scores via myFico.com. While the “Credit Crisis” name borders on fear-mongering, there are times when you need to know your credit score. If you’re in such a situation, you can order FICO Credit Complete and get credit reports plus FICO scores from all [...]
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