Comments on: Free Equifax Credit Score Card

By: George

George — Wed, 19 May 2010 15:33:05 +0000

I know you advertise credit card deals a lot and the quick money that can be made with opening offers. I’d like to start opening a new card every couple of months or so just to avail of the great deals and close them within a year or so. Since you have such a great credit score, I’m just wondering how often you actually open new cards and how long you usually keep them open? I currently have 3 open credit cards that I use regularly and don’t plan on closing. No negative marks on my credit reports either.

By: Blogs Taking Flight: Financial Roll Call | Ending the Rat Race

Blogs Taking Flight: Financial Roll Call | Ending the Rat Race — Fri, 19 Mar 2010 19:24:21 +0000

[...] My Money Blog published, “Free Equifax Credit Score Card“ [...]

By: The Rat

The Rat — Fri, 19 Mar 2010 16:29:42 +0000

A couple of years ago I had a credit card that I used frequently and I signed up for credit reports to be sent to me in the mail. I found that a lot of the reports that arrived did not include up-to-date information as it should have. Also, I found the criteria they use to determine one’s credit score isn’t overly specific.

By: The Rich Blog

The Rich Blog — Tue, 16 Mar 2010 07:08:18 +0000

Free credit score range is not bad at all. Good to know!

By: Dr. Pete

Dr. Pete — Mon, 15 Mar 2010 00:52:45 +0000

Very interesting, I didn’t realize you had to have a dept. store card to have perfect credit! But you are right, it isn’t worth it. Near perfect credit should be good enough. Thank you for the info!

By: Earl

Earl — Sat, 13 Mar 2010 18:31:22 +0000

I didn’t like CreditKarma at all. It was more than a little off from my actual score but whatever. I was surprised that my Chase CC provided a free Experian FICO score range.

By: Carl

Carl — Fri, 12 Mar 2010 23:09:12 +0000

Tony – You are correct that the Creditkarma score is a TransUnion “FAKO” number. However, in my case at least it matches EXACTLY with the actual Transunion FICO number. I currently have a free nine month subscription to the Transunion credit tracking service from the class action settlement, which I learned about from this blog. (thanks, Jonathan)

By: Tony

Tony — Fri, 12 Mar 2010 18:30:37 +0000

Kristy, the creditkarma score is just the TransUnion FAKO number. But it should be close enough to your FICO number to not make much of a difference.

By: Kristy

Kristy — Fri, 12 Mar 2010 01:44:11 +0000

Check out http://www.creditkarma.com – it will get your exact credit score and report card for free at any time. The only catch is it that it also offers you ways to “save money” or “build your credit” with various offers. For the most part I find it very helpful though and I like logging in to see my credit score, credit utilzation, and I LOVE watching my total debt go down. Basically I can see the effect of what I am actually doing as I pay down my cards and how closing an account, paying extra here and there really effects various parts that contribute to my score. I’m a nerd…

By: Alexandria

Alexandria — Thu, 11 Mar 2010 17:59:34 +0000

Actually – I’ve gotten pretty dang close to 850 without all those things. (830?) So, eh. Never had an auto loan, personal loan, or a department store card. (Just a couple of credit cards paid monthly + mortgage).

I dipped to 780 due to recent refi (inquiry) and closing some old accounts, recently. 780 is treated the same as 850 for just about anything, so who cares.

By: John @ The Financial Ladder

John @ The Financial Ladder — Thu, 11 Mar 2010 15:19:09 +0000

At one point I had a mortgage, car loan and a few long lasting revolving credit card accounts in good standing. That was enough to get me a 806 with equifax I believe. But due to recently credit card account problems, forget about it now.