Posts Tagged ‘credit card’

Why is my credit score so low?!?

March 29th, 2012 by admin | 6 Comments | Filed in Free Transunion Credit Score

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I just viewed my credit score and it is 533! I went and got free credit reports from the three major credit bureaus (TransUnion, Equifax, and Experian).

On those reports I have two accounts. One is a loan that I am up to date on which I have never had any late payments, occasionally I’ll double the payment to speed it up. And two, a Macy’s credit card that I only bought one thing with so far which was only and that has been paid.

Overall my report says everything is current and payed on time, everything is basically in the color green. So I’m curious as to why my score is that low.

Note: I am young and pay everything straight from my paychecks. I just opened that macy’s card in january of this year and my loan is only 10 months old.

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Credit Repair: This Sneaky Trick Raises Your Credit Score Legally and Quickly

September 22nd, 2011 by admin | No Comments | Filed in Absolutely Free Credit Scores

CreditRepairBook2010.com Credit repair do-it-yourself. In this video I explain one sneaky *but very legal* trick that almost no one knows about that not only helps you in your credit repair journey, but also raises your credit score nearly instantly. The sad truth is that there is an entire industry devoted to credit repair and they make hundreds of millions of dollars each and every year when anyone can do their own credit repair themselves and save thousands. The fact of the matter is that the law is on the side of the consumer! Since the Fair Credit Reporting Act was established, thousands of people have successfully put a stop to harassing collections agency calls, eliminated bad debt, and repaired their credit quickly, legally, and all by themselves. What those consumer credit counseling businesses won’t tell you (but they know all-too-well!) is that their services often do more harm than good! It’s true! When they make so-called “special arrangements” with your creditors, all they are doing is making an agreement on your behalf that you will pay off a percentage of the debt! But the bad part is that your credit is still damaged! I show you how to not only get rid of the debt that you have (often for free) but to clear those bad credit trade lines off of your credit report, which will then raise your credit score! Be sure to check out the second part of this video at http

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What are your free credit scores ?

July 12th, 2011 by admin | 2 Comments | Filed in Free Experian Credit Score

Im interested in seeing how others free credit scores vary compared to mine.

I use Credit Karma, Quizzle and Credit Sesame.

My scores are :
CK-Transrisk =692 (59%)
CK Auto Insurance score =870 (66%)
CK Vantage = 874 (78%)
Credit Sesame= 702 (Experian)
Quizzle= 686

Whats interesting to me is the wide range in % scores between my transrisk and my Vantage score. 59% to 78% is pretty large.

I have never PAID for my credit score and doubt I ever will.

I anticipate my scores increasing soon as I work to remove a "released" tax lien.
My CK score was 773 prior to the tax lien. When they released the tax lien, I only increased from 681 to 692 so Im hoping that when it gets withdrawn my score will increase back to the 770 range.

If you know your scores, please post them for comparison purposes.
I wouldn’t pay even for my real fico score.

Im sure these fake ones are close enough for me.

Especially since I have no need or desire for more debt except maybe another rewards credit card if a good one came along.

I already get 5% back on gas year round & many other purchases which vary quarter by quarter.

And Im not at all worried or nervous about the scores. Just interested in the variances and how they change over time.

In the last month, my Auto Insurance score dropped about 10 points and my Vantage score went up about 12 points. for no obvious reason.
Ones score is NOT on the credit report that consumers see/

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Freecreditreport.com vs truecredit.com?

June 22nd, 2011 by admin | 4 Comments | Filed in Free Experian Credit Score

Hi, I am an 19 year old college student and I don’t know much about credit lol. I had a credit card for a year now and i havent missed a payment but my balance is higher than it should be considering my limit. I never went over my limit but again, my balance could be lower. Last month my experian score was 694. Enough about me…I have been a member of freecreditreport.com for just about a month now. I got an offer to get the 3 credit reports from truecredit.com for free for 30 days. I plan on canceling it soon but I have encountered an issue of sorts. I got the 3 scores and accoring to truecredit.com my Experian score is 638. Interestingly enough, I just re-ordered/refreshed my credit report at freecreditreport.com and its showing that I have a score of 704(=D). So can someone tell me why is this so? I really hope my score is 704 and not 638 but I don’t know which score/website is more accurate. Can someone please clear this up for me? Thank you for helping me with my credit ignorance!
Just in case anyone was wondering my exquifax and transunion scores were both 649 according to truecredit.com.

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if i got a experian report from freecreditreport.com can i still get the other two from annualcreditreport.com

May 30th, 2011 by admin | 2 Comments | Filed in Free Experian Credit Score

i got a credit report from freecreditreport.com not knowing about other credit report sites that dont require a credit card, took 5 mins to cancel over phone so it wasnt to bad using freecreditreport.com.

im 23 and have never looked at my credit score before so i wanted to just check it out make sure everything was ok. i was happy to see it was 740+ on experian. so my question is, does that count as my one free report a year from experian? can i go to a place like annualcreditreport.com and request the other 2 to make sure they match? i dont want to do something that im not supposed to and have my credit score lowered. one other question is are all 3 credit places scores usualy around the same? who low balls and who high balls? any help would be great! thanks!

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credit score dramatically dropped -100!! help!?

May 28th, 2011 by admin | 3 Comments | Filed in Free FICO Credit Score

Ok,I have a wamu credit card that enables me to check my fico free for 1 yrs. On their site.my score has been in higher 600 for yrs. This past year I haven’t missed payments or anything. I check my score often on my wamu site. My total revolving balances shows before 5000 now its showing 6000-6999! And my score has been 663 past 3 months and I check today,it shows 551!! I had to do a double take because I was in shock!! Wow,drastically dropped!! I don’t know why and I hope no one has stolen my identity because I always had serious fear about it.LIKe seriously. I’m very cautious and always deletingmy internet cache,cookies etc.

Wamu site also shows how many accouts I have open,close,inquiries etc. I have only one closed and now it shows 3!! I have like 2 credit cards I’ve never touched that are open,can they close it if I don’t use them??? I’m so freaked and I can’t sleep now! I don’t know what to do. I ordered a tranunions credit report and everything looks the same but they updated info last in sept. So I don’t know because its already october and this is a sudden shock..please help..any info??

I pay everything on time,sometimes more than min. And yes I max out basically all my cards,but if that effects my score,then why so drmatically now?? I haven’t used any in a very long time also..

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Does anyone out there know if CreditReport.com is a trust worthy and legitimate sight?

April 20th, 2011 by admin | 2 Comments | Filed in Free Equifax Credit Score

There address on their sight says they are located in Canoga Park Ca. They say the first 30 days of you’re credit report from Equfax with credit score and monitoring of the three major credit bureaus for alerts on you’re credit reports is free. Then after the 30 days it says it will be 11.95 a month charged to you’re credit card. Would it be wiser to get it directly from equifax then to use CreditReport.com?

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Bad Credit 480 when I was 18 and maxed my first credit card?

April 19th, 2011 by admin | 3 Comments | Filed in Free Experian Credit Score

Now, I checked on experian.. I have 1 negative standing account (the maxed credit card i owe like 1500) and 6 good standing accounts…. If my credit score was previously in the high 400s would it be higher now? (btw i went on the annualcreditreport.com so I only got my free report for the year, not my credit score which is apparently not free)

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I am trying to repair my husbands credit score, but don't really understand it?

April 17th, 2011 by admin | 4 Comments | Filed in Free FICO Credit Score

I have been trying to repair my husbands credit. We are set up with my free credit report so we can see it anytime, but even though I have raised his 60points, he is still rated poor. What I am wondering is, when does he go from poor to fair? Using the FICO score? also if anyone has idea’s what I can do to rais it, I am up for suggestions! Thanks!!
I should add this. Over the last 6months, we have gotten all of his past due bills paid. The only thing on his credit now is his truck loan which has been paid on time, since he got it a year ago and a credit card, with a 0 limit that he has had for 2 months and has been paid on time. All the other accounts have been paid and closed.

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