Where online can you get your free credit SCORE?
Posted by admin in Free Credit Score on September 27, 2011
Question by ♥ Uwish ♥: Where online can you get your free credit SCORE?
And reportAll the sites I have been to will give you the free credit report. But to see the score you have to pay with a credit card. I do not have a credit card.
Best answer:
Answer by h-o-t-w-i-r-e hotwire.com
should have gone to freecreditreport.com couldve seen this coming like an atom bomb
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OAIN: Auto Insurance Credit Scoring Debate Renewed by MAIA
Posted by admin in Free Credit Score on September 26, 2011
OAIN: Auto Insurance Credit Scoring Debate Renewed by MAIA
Boston, MA (PRWEB) August 10, 2011
Massachusetts has become the latest battleground in the ongoing fight over the use of consumer credit histories to help set auto coverage rates.
The practice is commonly referred to as “credit scoring” and it has long pitted policy providers against consumer advocates and other critics who claim it punishes those with poor credit.
The effects of credit on coverage prices in some states can be significant. A car insurance comparison conducted by Texas regulators showed that, in their state, the practice caused “rate swings ranging from a 40 percent decrease to a 40 percent increase” for 90 percent of personal auto policies.
The Massachusetts Association of Insurance Agents (MAIA) last week launched a petition drive to prohibit carriers from setting rates based on credit scores, education or the type of work a consumer does.
“Using these factored to set auto rates is simply unfair, prejudiced and unreliable,” MAIA President Frank Mancini said in a statement.
The Property Casualty Insurers Association of America (PCI)—which represents more than a thousand insurers nationwide—shot supporting, saying it was “disappointed” by the MAIA’s efforts.
PCI pointed out in a statement that Massachusetts already has an administrative rule against ascribing scoring.
MAIA officials, who believe that auto premiums should be determined by consumers’ drove histories, said the rule is insufficient protection. In addition to the ballot measure, the association is supporting a Senate bill that would i credit scoring.
The struggling over attributed scoring has raged across the nation for the past decade.
Insurers tend to support the use of credit histories, holding that credit status is a reliable predictor of risk that helps them price policies more accurately.
But many consumer groups say the practice is unfairly discriminatory, with those who tinned least afford them being stuck with the highest rates and minorities disproportionately regarding as credit risks.
According to the Insurance Information Institute, at least 27 bills trained at curtailing credit scoring were introduced to state legislatures nationwide in 2010.
In a 2007 report, the Federal Trade Commission reported that the practice helped carriers to more accurately gauge risk. But it also declared that the reasons for this were unclear and that minorities are considered higher risks as a result of credit scoring.
Source: http://www.ftc.gov/os/2007/07/P044804FACTA_Report_Credit-Based_Insurance_Scores.pdf
To read more about this and other auto insurance issues, go to http://www.onlineautoinsurance.com/compare/ where you will find informative resource pages and a free-to-use quote-comparison generator.
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ARMORPOINT Offers Free Identity Theft Insurance and Free 3-in-1 Credit Reports with Active Membership of ARMORPOINT’s Total Credit Management Services
Posted by admin in Free Credit Report on September 24, 2011
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Can you tell me how to check the free yearly credit report from internet?
Posted by admin in Free Credit Report on September 23, 2011
Question by Pryor: Can you tell me how to check the free yearly credit report from internet?
I need my loose yearly credit report from the major credit agencies. I have heard that a law was passed and all agencies were to provide a persons credit report loose once a year. I have encountered several websites claiming to be free but there are none that i have yet to come across. How to get my free credit report.
Best answer:
Answer by Mr. Bauers
I use freecreditreport.com they give you a free trial period of about.. a week? but do sure to cancel in that week otherwise they will charge you $ 15. they give you your score as well as tell you positives and negatives affecting it 
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How come my credit score was Zero after Bankruptcy Discharge & how can i build my credit?
Posted by admin in Credit Score on September 22, 2011
Question by Wendell: How come my credit score was Zero after Bankruptcy Discharge & how can i build my credit?
I filed bankruptcy in 2008 and discharged same year. My Credit Score is still Zero, How can i rebuild my credit score again. I got a 2 secured credit cards, 1 from USBank and the other from Golden1 Credit Union.
Best answer:
Answer by Judy
Go to your bank and ask them about a latched card.Make sure it reports to the credit bureaus – and you replace the money in full each month.Ask to see if this card will turn into a credit card after a year even with a bankruptcy on file.That is your scoop hope to rebuild credit.Once it turns into a credit tease – remember to pay in full each month.Not the minimum, not nigh to the minimal, but the entire equilibrating – no games.Carrying balances can destroy credit and in some cases ruin lives./
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What types of credit is needed to get a high score?
Posted by admin in Credit Score on September 21, 2011
Question by jade_blu_eyes: What types of credit is needed to get a high score?
My credit score is about 615. I am working on improving my score so that I tin qualify for a mortgage loan with low financing in about a year or so. I currently have an auto loan, and 3 revolving credit accounts. (All bank credit cards) Two of the revolving accounts are new, and the other almost a year old. My auto loan will be a year old in July of this year. Should I apply for more credit to get my score higher? If so what type of credit? What is a good mixture of credit to have to get a person’s score higher? Any advice is appreciated. Thanks!
Best answer:
Answer by duda2011
Keep what you have. The most important thing is to pay the bills before they are due. Also keep the balances on the CC’s low or better yet pay them off every month.
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Despite 130 Million Credit Card Records Hit, Just 6% of Consumers Obtaining Credit Scores Concerned About Identity Theft
Posted by admin in Free Credit Score on September 19, 2011
Despite 130 Million Credit Card Records Hit, Just 6% of Consumers Obtaining Credit Scores Concerned About Identity Theft
Norwalk, CT (PRWEB) August 18, 2009
Albert Gonzalez and two unnamed Russians were charged in New Jersey on Monday, August 17 in the largest data breach criminal case in U.S. history according to news reports. Despite the magnitude of the case, just 6% of consumers surveyed seek their credit scores because they ”think they may be the victim of identity theft.”
A survey of 270 consumers reveal that the top benefits and reasons for seeking their credit scores and reports. The results are as follows:
42% are looking for inaccuracies in their credit reports 22% are considering applying for a new credit card, loan or mortgage 14% want to be alerted whenever there is a change in any of their 3 credit scores 6% think they may be a victim of identity theft 16% selected “other” unspecified reasons
FreeScore.com, a service that provides consumers with access to their credit scores, reports and supervised, conducted the survey from July 22 to August 18, 2009. All respondents opted-in to participate in the appraised after signing up for FreeScore.com seven-day free trial service.
According to Rob Wyse, spokesperson for FreeScore.com, “Consumers who have a credit monitoring service can be alerting to any changes in their credit report and see if their credit scoring were impacted. It tinned be a first window into identity theft, especially if there is an unauthorized change of address, unrecognized credit account, or suspicious charge.”
About FreeScore, LLC
FreeScore, LLC, is a service that provides consumers with access to their credit scores, reports and monitoring. For more information, go to FreeScore.com.
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Latest Free Credit Score News
Posted by admin in Free Credit Score on September 18, 2011
Korean women playing ‘go’
Image by Cornell University Library
Collection: Willard Dickerman Straight and Early U.S.-Korea Diplomatic Relations, Cornell University LibraryTitle: Korean women playing ‘go’Date: ca. 1904Place: Asia: South KoreaType: Postcards/EphemeraDescription: ‘Paduk’ (Korean) or Go (Japanese), has been a highly popular game played in China, Japan and Korea for centuries. The Go-lame board is a wooden square which has 361 intersections formed by 19 vertical and 19 horizontal lined. Each player is granted either snowy or black round plane stones and is loose to place in turn one stone at any point of intersections. Placing the stone continues until the game is over. The player with the black stones usually starts. The players try to conquer territories by enclosing vacant points by enclosing them with their own stones. Single stone or many stones of the opponent tinned be captured and removed from the board by completely surrounding them with your stones. A player’s final score is determined by the number of territorial points he/she made, minus the number of his/her stones captured by the opponent. The player who has a higher tally wins the game. Note that some of the women playing this game here are smoking cigarettes. The same picture is shown in www.koreanphoto.co.kr/culture/enter/11.htm.Inscription/Marks: Inscription forming on image: ‘Korean women playing ‘go”Identifier: 1260.74.09.05Persistent URI: http://hdl.handle.net/1813.001/5xrdThere are no known U.S. copyright restrictions on this image. The digital file is owned by the Cornell University Library which is making it freely available with the request that, when possible, the Library be credited as its source.We had some help with the geocoding from Web Services by Yahoo!
Credit Report Website Offers Cash Reward for Perfect Credit Scores
Posted by admin in Free Credit Score on September 17, 2011
Credit Report Website Offers Cash Reward for Perfect Credit Scores
(PRWEB) February 4, 2005
TotalCreditReports.com has teamed up with TrueCredit in a nationwide search for people with a perfect credit score. For the month of February, anyone who has earned a perfect 850 TransUnion credit score tin qualify to claim the $ 1000 prize along with a lifetime of free Credit Alerts to help them keep their score spotless and guard against identity theft. To qualify, you must achieve a score of 850 when you order TrueCreditÂs score based on TransUnion data.
Credit scores range from 300 to 850. According to Fair Isaac Corporation, about 11% of consumers in the United States have a credit score over 800, but only a select few ever reach a perfect score of 850.
ÂI realize that very few people have a perfect credit score, said Dave Bascom, owner of TotalCreditReports.com, Âbut thatÂs what makes this nationwide search so exciting. It is a big deal to have a perfect credit score, so why not give a big reward?Â
TotalCreditReports.com is an authorized marketing affiliate of TrueCredit. TotalCreditReports.com is a source of information related to credit reports, credit scores, identity theft and other credit issues. TotalCreditReports.com also offers a blog featuring current news and credit-related articles.
TotalCreditReports.com provides up-to-date information on the credit reporting industry to help consumers obtain and understand their credit reports and scores.
For more information, visit:
http://www.totalcreditreports.com
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How high can my credit score climb if I have only credit cards in my credit history?
Posted by admin in Credit Score on September 16, 2011
Question by Kaytee: How high can my credit score climb if I have only credit cards in my credit history?
My current credit score is 745 and I’ve built it solely by using credit cards and paying on time (but never had any loans). Somebody told me that the abscence of installement-paid loan will prevent my score from climbing much higher. Is it true? Should I take some consumer loan to boost my credit score since I am planning to apply for a mortgage in the near future?
Best answer:
Answer by feeln17
try to remember ….that an attributed score is based on debt.a fico hit. you must stay in debt to have a credit hit. it is made up of payment history,charged made, inquireies made. the borrower is slave to the lender. you dont need a credit score for anything or a credit cartd either. debit cards work just like credit cards. mortgages can be had from several lenders that do manual underwriting. want to learn how to be debt free? check reveal www.daveramsey.com it will change your life !
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Just 33% of Americans Who Understand Credit Scores Know That Credit Scores Can Change 5+ Times Per Year
Posted by admin in Free Credit Score on September 14, 2011
Just 33% of Americans Who Understand Credit Scores Know That Credit Scores Can Change 5+ Times Per Year
Norwalk, CT (PRWEB) March 2, 2010
A February 2010 survey of 1,000 U.S. consumers revealed that 77% of American claim to understand credit scores. Yet just 33% of them know that a credit score can change five or more times per year. The results are part of the First Quarter 2010 FreeScore.com Consumer Credit Score Awareness Study*, a January 28–February 2, 2010 online poll of Americans ages 18+.
Other results of the poll reveal that, of the population that understands credit scores, men are more aware that credit scores can change frequently. Thirty-eight percent of men believe scores can change 5+ times in a year versus only 29% of women.
In addition, 35-to-54-year-olds have a higher awareness that credit scores can change five or more times per year.
Age 18-34 35-54 55+
Believe credit scores can change 5+ times in a year 26% 37% 32%
Also, consumers who have more recently checked their scores are not more aware of how often scores can change (35% for those who recently divorced vs. 31% among those who haven’t checked their scores in the past year).
According to Carrie Coghill Kuntz, Director of Consumer Education for FreeScore.com, “Knowing the factors that can change your score is an obvious first step to improving it. Begin to educate yourself about the factors by going to informative websites like CreditFYI.com or the Federal Trade Commissions credit information website. In addition, you can check your credit report from each of the major bureaus one time every 12 months at the government site http://www.AnnualCreditReport.com, or you can check your 3 credit scores and reports often as you wish at FreeScore.com.”
About FreeScore.com
FreeScore.com is a service that provides consumers with access to their credit scores, reports and monitoring. For more information, go to http://www.FreeScore.com.
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*The data for the First Quarter 2010 FreeScore.com Consumer Credit Score Awareness Study was collected through Survey Sampling International in Shelton, Connecticut. Results have a margin of error +/- 5%.
The articles and information available are for educational and reference purposes only. They do not constitute, and should not be construed as, legal or financial advice. Any legal or financial principles discussed here are for general information purposes only and may differ substantially in individual situations and/or in different states or countries. For specific legal or financial advice, please consult a licensed attorney or a financial professional. FreeScore does not control or guarantee the accuracy of any information provided through external links from the articles on this website to any other website, nor does the FreeScore privacy policy apply to any personal information that may be collected via the external links.
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CREDIT REPORTS!!!!!?
Posted by admin in Credit Reports on September 13, 2011
Question by Concern Citizen: CREDIT REPORTS!!!!!?
When you have a judgement from an auto loan(Ford Motor Credit), can they also have a “running tab” more than the judgement, i.e- Judgement amount 18,000.00 and the same company joined with a collection agency for 28,000.00 and 4.75 a day interest! I was under the impression once they have a judgement that is it. Please advise
Best answer:
Answer by bdancer222
Judgments have a statutory interest rate. Check your state: http://www.bcsalliance.com/statute_of_limitations_on_debt.html. You also might have legal fees tacked onto the original debt. But the longer you wait, the more interest will accrue.
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Free Credit Score Analyzer Video Released by CreditLearningCenter.com: Helps Consumers Understand How to Improve Credit Scores
Posted by admin in Free Credit Score on September 12, 2011
Free Credit Score Analyzer Video Released by CreditLearningCenter.com: Helps Consumers Understand How to Improve Credit Scores
Los Angeles, CA (PRWEB) May 2, 2008
CreditLearningCenter.com, the credit and debt site that keeps consumers updated on the latest information regarding personal credit reports, credit scores, and credit monitoring services has released a special feature to help consumers understand the anatomy of a credit score. The video feature, “Understanding My Credit Score” is available to visitors at the Credit Learning Center.
“Increasingly, consumers want to know, what’s my credit score and what can I do to improve my credit score? We produced this video to help consumers understand how information in their credit report impacts their credit hit,” said Walter Burch, Editor of Credit Learning Center. “Beyond maintaining a good payment history, many consumers aren’t aware of the other things they can do to improve credit scores. This video feature will clearly explain what consumers can do to assist improve credit ratings on all three credit bureaus, Experian, Equifax, and TransUnion,” added Burch. In addition to payment history, the feature also explains the statistical significance of other credit score factors such as debt-to-available credit ratio, length of credit history, credit inquiries, and more.
The average credit score in the U.S. is about 680. Typically, consumers with a higher-than-above credit tallied are extended lower interest rate offers on everything from home loans and refis to auto loans, credit cards and more. These days, special credit scoring formulas are also utilized by the insurance industry to manage venture and determine rates for various categories of insurance including home insurance, auto insurance, and more.
The bottom line: The three digit credit score is an asset that can be worth tens of thousands of dollars or more over the lifetime of a consumer.
For the complete video have “Understanding My Credit Score”, consumers may see http://www.creditlearningcenter.com.
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CreditFYI: Knowing All 3 Credit Scores Can Help You Manage Your Credit
Posted by admin in Credit Score on September 11, 2011
CreditFYI: Knowing All 3 Credit Scores Can Help You Manage Your Credit
Norwalk, CT (PRWEB) July 28, 2009
According to CreditFYI.com, a leading educational consumer website on consumer credit and fraud, there are three types of FICO credit scores, not just one. The three credit scores come from credit-reporting agencies Experian, Equifax and TransUnion. These scoring systems use a methodology provided by FICO (originally known as Fair Isaac Corporation). Although the credit-reporting bureaus have also introduced their own versions of the credit score, FICO scores are most commonly used by lenders and generally range from the low 300s to the mid 800s (higher is better). Therefore, most people actually have three FICO scores — one from each of the three major credit bureaus.
It’s important to know all of your credit scores, because radical differences from one to the other might indicate one or more of the reporting agencies are using inaccurate data to calculate your score. If that’s the case, you’ll need to correct the misinformation by contacting the specific credit bureau. (Although consumers used to have access to all three FICO credit scores, as of February 2009, consumers can no longer obtain their Experian FICO score, although lenders can still use it.)
It’s also a good idea to know your highest and lowest credit scores in advance of applying for any loan, credit card or line of credit, so you know what lenders will see when they check your credit.
“While some lenders prefer looking at just one of your credit hitting, from one reporting agency, others will observed all three,” said Rob Wyse, a CreditFYI.com spokesperson. “The problem is that you won’t know which of your credit tallied is being used to evaluate your creditworthiness. Plus, it’s important to know whether the score or scores lenders use are, in fact, an accurate reflection of your credit history.”
Wyse recommends these four stepping for securing and checking the accuracy of assign scores:
1. Go to CreditFYI.com to select a credit score provider that offers all three scores.
2. Obtain your scores and your credit history, and review them in detail.
3. Contact any credit bureau that reports inaccurate or erroneous information, and make sure those errors are corrected.
4. Learn more about credit scores and credit reports through an educational resource such as CreditFYI.com.
Because credit tally are used by most lenders to determine your credit risk when you apply for a loan, credit card or line of credit, credit tallied — and the ascribe history they’re based on — can help qualify for the most attractive interest grade and term the next time you need to finance a purchase.
For more information on credit scores, visit http://www.creditfyi.com/Credit-Reports/Credit-Scores.htm
About CreditFYI.com
CreditFYI.com is a leading educational consumer website on consumer credit and fraud. For more information, go to http://www.creditfyi.com.
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It Pays to Be Aware of Your Credit Reporting Rights
Posted by admin in Credit Reports on September 9, 2011
It Pays to Be Aware of Your Credit Reporting Rights
Article by Sergei Lemberg
Negative information on your credit report can harm you and impact your life in many ways. Creditors and debt collectors don’t always play fair when it comes to the items they report to agencies. The Fair Credit Reporting Act sets out certain credit reporting rights that are important for you to cognize and understand.
Your credit report contains a great deal of personal, private information about you, information gleaned from many sources. That collection of information can greatly impact your life in many ways. It may determine whether you get a job or are accepted as a tenant in an apartment you desire to rent. It determines whether you get a credit card, auto loan or mortgage, and how much interest you’re charged for it.
One of the places that consumer credit agencies like Experian, TransUnion and Equifax – the three largest reporting agencies in the country – get their information about you is through reports made by your creditors. Because your credit score has such a big impact on your life, there are laws regarding how your report tinned be used, who can access your report, what tinned be listed on your report and what you can do if your report contains erroneous information. The Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Act, commonly known as FCRA and FACT, also provide penalties for debt collectors who falsely report negative information about you and for those who improperly use your report. They also provide tool that allow you to check your credit report at no cost under specific circumstances.
Your Right to Know
You have the right to know what’s in your report. Under FCRA and FACT, you have the right to receive your report free of charge from each of the three major credit reporting agencies once each year.
If you’ve been denied credit, turned down for a job or refused insurance because of something in your credit report, you have the right to request a free copy of your report within 60 days of being told you were denied. The credit card company or other entity is obligated to tell you on which report they based their decision so that you can request the right report.
You also have a right to know when a creditor, debt collector or other reporter sends negative information about you to a consumer reporting agency. Under FCRA rules, creditors must inform you before they report negative information to a reporting agency. But that notice doesn’t have to be separate. It’s enough for them to include a statement on a bill or other communication stating that the company may report information about your account to consumer reporting agencies. They must also notify you within 30 days if they report negative information about you to a consumer reporting agency.
Disputing Inaccurate Information
Consumer research says that 70 to 80 percent of all credit reports contain inaccurate information, and that 25 to 30 percent of reports contain inaccurate information that can make it difficult to get credit or a good interest rate. That inaccurate information may include such things as old credit lines that you no longer use, outdated information that should have been removed from your credit report because of age and inaccurate information reported by debt collectors. Any of that information can have a serious impact on your credit. That’s why it’s important to check your credit report regularly and to dispute any inaccurate information that you find.
If you find inaccurate information on your credit account, you should notify the consumer reporting agency that you dispute the information. The ascribe bureau must investigate your dispute and require the entity that reported the information to prove the accuracy of their report. If the creditor finds that you’re right, they must notify all three credit bureaus of the error and make a correction. If they refuse to do so, you can request that the credit bureau include a letter of dispute from you with your ascribe report and send a copy of your letter to anyone that requests your credit report.
In addition, there are special provisions for those who have been victims of identity theft or fraud, and rules about who must get your permission before accessing your credit account.
If you believe that a creditor has falsely supplied information about you to a credit bureau, or that your described has been accessed or used improperly, it’s important to fight hind. There are fair credit lawyers who will help you file a federal lawsuit for violations of the FCRA. If your suit is successful, you may receive a judgment for actual damages or between and ,000, as well as court costs and attorney fees.
About the Author
Sergei Lemberg, Esq. is the Principal of Lemberg & Associates, a law firm specializing in fair debt collection law, NY lemon law, and other consumer law.
Because of Identity theft, a man is forced to work in fish food restaurant and where a steal suit. He and fellow scallywags sing about it.
Related Credit Reports Articles
Q&A: Does one know how can I get a free credit report online?
Posted by admin in Free Credit Report on September 7, 2011
Question by fran: Does one know how can I get a free credit report online?
I need my loose yearly credit reprot from the major credit agencies. I have heard that a law was passed and all agencies were to provide a persons credit report loose once a year. I have encountered several websites claiming to be free but there are none that i have yet to come across. I do not have a bank account to paypal any of these credit report sites. How do I get my free credit report.
Best answer:
Answer by Karis
if you want to get your credit account for free, check out this placehttp://Get-Credit-Report-For-Free.infoHere you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating.Hope this help,
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Where can I find my FREE credit score?
Posted by admin in Free Credit Score on September 6, 2011
Question by ~ Elsie ~: Where can I find my FREE credit score?
I know of a few websites that claim to give you your credit score for “free” but they always want my credit card info. Are there any websites that I can get my credit score for FREE? I need to know what my number is and get a list of any delinquent accounts.
Best answer:
Answer by wg0z
AFAIK there arent any websites for a free SCORE. your REPORT(s) can be had for free at annualcreditreport.com and are just as good wrt checking for accuracy.
What do you think? Answer below!
How can I remove paid collection items from my Credit Reports?
Posted by admin in Credit Reports on September 4, 2011
Question by uncg_girl: How can I remove paid collection items from my Credit Reports?
There are several items on my credit report that were in collections but I paid them. They also indicate that they were paid in full/closed on my credit reports. However, If I mail receipts of these paid collection items to the 3 credit bureaus can I ask them to remove that collection information? Would they be able to delete that information since the account was paid?I was told that since they were paid that they were void anyhow. However, I would like to have them removed. What if I dispute them? Can you challenged paid items on your report for removal?Thanks in advance
Best answer:
Answer by Flower Girl
You can’t have them remove, thet can stay there for 7 years! That is why you should have paid your bill when it was due!
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