You see, being alien I cannot create or buy time. Therefore I always will be lacking the 18years credit history, or at least another 12-13years. That was the reason to cancel my Score-Watch subscription. I maxed out on the other criterias. It is sad as that stopped me from getting better rate on my mortgage. 750 is where I end, 760 is where the next bracket starts on the mortgages. Other then that, they are not as fast as they say they are to report that someone checked you out. & I wonder how the things will resolve now that the “Big 3″ are more of a “Big2+1″. Only time will show.

To me, it was more of a security tool, knowing who checks me out. & knowing that I can do something about it.

We had a good idea of what it might be even before she told us because we knew our credit to debt ratio and our bill paying habits.

Such free scores are best used to track significant changes in your credit report. (If it drops by 50 points, something is up.) CK uses Transunion data only.