Comments on: Free Equifax FICO Score Redux

By: mary

mary — Tue, 03 Feb 2009 03:24:42 +0000

how can you get your score if you don’t have a credit card????

By: Where can you purchase the acai berry supplements or juice? | Acai Berry

Where can you purchase the acai berry supplements or juice? | Acai Berry — Mon, 26 Jan 2009 14:32:53 +0000

[...] Free Equifax FICO Score Redux » My Money Blog [...]

By: Eric N.

Eric N. — Tue, 20 Jan 2009 22:23:30 +0000

Well at least I can’t be mad I missed this also because I signed up last time for this offer already.

By: almas

almas — Tue, 20 Jan 2009 02:16:49 +0000

I used the previous one, so i could not access this one. I guess you can only use one promotion in a year. Well, trying to get to 800, perhaps the next one! Thanks Jonathan for links!

By: Jonathan

Jonathan — Tue, 20 Jan 2009 00:37:22 +0000

Glad some people got in. Also, a person’s credit score is never affected when they check it themselves.

By: jim

jim — Mon, 19 Jan 2009 20:14:11 +0000

Dang these things go away fast…

By: Mrs. Accountability

Mrs. Accountability — Mon, 19 Jan 2009 18:22:54 +0000

The offer has already expired, thanks for letting us know about it though!

By: Credit « The Tiger in DC

Credit « The Tiger in DC — Mon, 19 Jan 2009 16:36:27 +0000

[...] I just learnt my FICO score. It is rather [...]

By: Vlad

Vlad — Mon, 19 Jan 2009 15:20:16 +0000

Although I used it just last October to check my score, it worked for me this time too. Apparently, account I created back in October was no longer available, so I had to create new one anyway.

By: Christina

Christina — Mon, 19 Jan 2009 15:18:56 +0000

Thanks for the tip!

By: greg

greg — Mon, 19 Jan 2009 15:12:01 +0000

Is freeficoscore.com really a trustworthy site?
It is always scary to give out your SS#

By: MikeS

MikeS — Mon, 19 Jan 2009 14:26:54 +0000

Thanks for the heads up. What ever happened with the class action lawsuit that was supposed to not only give us access to our scores, but to free credit monitoring for a number of months?

By: simplesimon

simplesimon — Mon, 19 Jan 2009 14:22:32 +0000

Thanks Jonathan. I think checking your score dings you a few points but I’ve never seen my FICO score before and am very happy with my number (I’ve only had a credit card for a little over a year now) so it was worth it for peace of mind.

@Tom
There are a few factors involved in coming up with the score and when they give you the score here, it tells you what you could do to improve it.
1) Credit history lengh – the longer the better
2) Balances on available credit – better to have low percentages ($1k out of $20k credit than $500 on $2k credit)
3) No late payments (obvious)

There are other things they look at that I can’t think of off the top of my head right now.

By: mjmcinto

mjmcinto — Mon, 19 Jan 2009 14:21:27 +0000

Sweet – haven’t checked it in a while, up to 800 now

By: Baughman

Baughman — Mon, 19 Jan 2009 13:55:25 +0000

Thanks again Jonathan.

By: Tom

Tom — Mon, 19 Jan 2009 13:50:18 +0000

I tried it and it worked,I have no idea how they come up with these numbers? can you have a perfect score?