Deal Alert: For a limited time – Experian IdentityWorks is offering a 30-day free trial. During this 100% free trial, you get full access to your 3 FICO® Scores, 3 Credit Reports, with unbeatable ID Theft Protection. Get Your Free Trial Now before it’s gone by clicking any IdentityWorks link on this page! Full Disclosure: I have an affiliate relationship … [Read more]
5 Reasons to Ditch the “Free Score”
Did you know that 90% of top lenders use your FICO® Scores to determine loan interest rates, terms & approvals? Yet most “free credit score” services (Credit Karma, Credit Sesame, etc.) provide what’s called a VantageScore, not your real FICO Score. So why are you checking a different type of credit score than what your … [Read more]
How I Protect My Credit & Identity
If you have a credit report, there’s a good chance that you’re one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nation’s three major credit reporting agencies. There are plenty of “free” ways to check your credit (Credit Karma, Credit Sesame etc.). … [Read more]
How I Improved My Credit Score by 111 points in 8 Months
Once upon a time, my credit score was a “Fair” 666. 8 months later, it was an “Excellent” 777. How did I do it? The fact is, it’s not usually a “quick fix”, but it can definitely be done! First I realized I needed access to 100% of my credit data. Including 3 FICO scores, all … [Read more]
650-699 Credit Score – Good Or Bad? Credit Card & Loan Options?
I recently had a question from one of our loyal visitors, I thought it was a great Q&A to share and explore a bit, here it is: “My credit score is 695. Is that considered a good number for a credit score? If not, how do I improve it?” -John B. from Texas. Short Answer: … [Read more]