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ur a racist!!
What a load of crap! Yes, I know I was being charged for being able to check my credit "free." I was cool with that. It was $13 a month, which isn't too bad, I've seen on other websites that it goes for up to $35 a month to have to credit checked every month. Since my credit is so-so (actually pretty crappy..so I thought) I would keep an eye on it for a while and signed up for the membership.
But, I had someone from ACORN Housing pull my credit through their services a few weeks ago and saw that my scores are actually so-so for someone who has a car loan, student loans, credit cards, and one thing in collections (lame story). I don't remember what each bureau was but it averaged to close to 651. Here's the kicker... freecreditreport.com had my score between 555 when I bought my car to 584 when I paid my student loans with my AmeriCorp scholarship which was $2500. 576!!! What the heck??!! That's nowhere near my actual score!
So I called up freecrditreport.com just now to cancel my account and they transfer me over to India to cancel my account. I answered all the security questions and then the guy launch into these questions, "Why are you canceling? Why aren't you taking advantage of your free credit report? You know every time someone looks at your credit it shows up as an inquiry!" I was like "look habib, just cancel the account, the average I've been thinking is correct for a year now isn't even correct. so give me my $13 back." I know he wold have been the big toast of the call center he won me back, but it just would not had happened. Sorry Habib.
click.
ĄDios mio! I need to go to Wurstfest!
ur a racist!!
I hear ya.
This has long been established. Didn't you read the mace thread?
It was actually the car wreck thread that established you as a racist. Why are you keeping monthly tabs on your credit report though? Just do the annual free credit check to make sure nothing is on there that shouldn't be.
It's not a horrible idea if you have the money to waste, but you should have gotten your FICO score which they don't provide...
Oh my bad, the car wreck thread. I'll keep the threads in check then.
I signed up through Sallie Mae to see me credit score when I was buying my car and then noticed the started charging me for it. It was actually just laziness on my part to not cancel the account. Then when I found out it wasn't a true representation of what my credit was that's when I decided that it was time to stop it.
I wanted to eventually refinance my car (I think I had a thread about that too..) so keeping track and watching it go up enough to decide when to do that was why I was tracking it monthly to start out with.
song stuck in my head part II
F -R- E -E that spells free
creditreport dot com babe-eeee
Well as long as you have admitted it to yourself, that's the right step on the road to salvation.This has long been established. Didn't you read the mace thread?
:P
Go through Transunion not some other source. Its called Truecredit.
Its 15.95 a month for all three credit reports in real time with scores. Your report and score can be updated every 24 hours if you desire.
Unless you completely understand credit you'll never figure out how to make heads or tails of your score going up and down.
You pulling your credit daily has no effect on score at all. ACORN pulling your credit does.
I know credit up and down I understand with about 90% accuracy how the FICO formula works. If you want help or advice I'd be more than happy to lend a hand or an opinion.
Your score was different because ACORN probably pulled a mortgage induced score just like an auto dealership pulling an auto induced score. There is a very big difference. Your freecreditreport.com score was a raw score so you pitched a fit when you were actually wrong. Not only is your score different from bureau to bureau its also different when you pull for a home loan and then a car loan. Your Experian raw score might be 575 but with good auto history a dealership might pull a 620 for you. This helps them get you a loan because your auto history is stronger than your other history.
Its confusing if you need help ask me. My help is free.
Almost no one realizes that you score is different depending on the type of organization pulling the bureau.
Life coach and credit coach.I give credit where credit is due!!!
He's also a girls volleyball coach /creditdue
That would be ing sweet
Hex Yeah
Hmm I never knew that your score was different based upon the loan type you are pulling it for. Thanks for that info.
i get $5m monthly monitoring from experian through USAA.
This web site is where you get 3 FREE credit reports each year. I'll repeat it's FREE!
https://www.annualcreditreport.com/cra/index.jsp
That's the site you should go to. freecreditreport.com is a ripoff.
you know you can check your credit for free once a year from all the major credit places...there is really no need to pay to monitor your credit
I'm one that believes that paying the 15 a month is a more than worthy investment. Most people don't realize that a 150 dollars on a credit card can sway your score 50 or 60 points. This could be the difference between 5.99% and 12.99% on a loan.
Especially if you have a common name...like Ashley. A small phone collection of less than 100 bucks thats not yours might take 3 months to have removed. That small debt could...again...be the difference between 5.99% and 12.99%. You're talking about swaying a payment 50 or so dollars.
The dealership isn't going to tell you
"hey wait if you go and pay down that credit card and wait a month for it to update you could shave 30 bucks off your payment"
or
"look pal you have a very small debt in collection from another state it might not be yours but if you sort it out and come back in 60 days you'll save 3,500 in interest."
It makes an enormous difference in the long haul to monitor and keep up with your money and finances. Lots of people love to impulse buy and being up to speed allows to make much wiser decisions. Its like paying 15 bucks a month for personal and financial insurance only you get the luxury of monitoring it yourself.
I never understood the people that think its no big deal to skip over monitoring your credit. Its your single most important life line outside for you breathing body. It dictates nearly every single aspect of your cost of living.
Getting a free credit report does not give you your score.
I've never paid for credit monitoring and have a nice house, nice vehicles and doing well.
Dude, that's because you are still living at home with your parents.
How many times do I have to tell you this, those things aren't yours!
why do you need a score? Knowing your score doesn't do anything, it's knowing what is on your report. If you don't have anything bad on your report you score is fine, if you have a bunch of knocks then it doesn't matter what your score is
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