Syntax joined in and replied with this 11 years ago, 17 minutes later, 2 hours after the original post[^][v]#568,063
@568,057 (G)
BS. In USA Gov law demands credit agencies give you your score once a year upon request. When you apply for a credit card you can over the phone or at a bank ask for the number. Number varies as well as range based on the company that compiles that info.
What is tricky is finding out if adding one more card will hurt your credit. Or even closing a card you no longer need. No clear cut answer.
There is great value in getting the score as high as you can.
Anonymous B replied with this 11 years ago, 3 minutes later, 2 hours after the original post[^][v]#568,064
I see that nobody has yet bested my very average score. Your banks must hold you all in contempt for having such awful scores.
Syntax replied with this 11 years ago, 22 minutes later, 3 hours after the original post[^][v]#568,071
@previous (B)
LOL
I looked 4 list of all credit agencies in USA. Only one WENT to 990 and on look up to C Y? VangageScore just last month changed to the more common 850 top number.
One source says TransRisk goes to 900 yet I cannot find anything that verifies it.
When you see the 1000 wot are you smoking?
Anonymous B replied with this 11 years ago, 1 minute later, 3 hours after the original post[^][v]#568,072
Anonymous G replied with this 11 years ago, 1 minute later, 3 hours after the original post[^][v]#568,073
@568,063 (Syntax) > Number varies as well as range based on the company that compiles that info.
Like I said... there is no way to truly know your credit score.
Even if it were possible to know definitively, checking the score changes the score leaving you with only an idea of what your credit score is.
Syntax replied with this 11 years ago, 7 minutes later, 3 hours after the original post[^][v]#568,075
@previous (G) > checking the score changes the score leaving you with only an idea of what your credit score is.
There is a lot of truth in that IF Its checked multiple times by ...and by is the key word. To many inquires is supposed to be one measure/reason/ a score will drop. Apparently NOT true when I have my bank check my score and report it to me once a month because over the last 3 years the number remains the same - When I have a second bank look at my score it does not even show the other bank as checking.
Anonymous I joined in and replied with this 11 years ago, 6 minutes later, 3 hours after the original post[^][v]#568,078
Syntax replied with this 11 years ago, 4 minutes later, 3 hours after the original post[^][v]#568,081
@previous (I)
Wrong in wot way? I have no expertise in this area Other then to b the recipient of the advantages of maintaining a great score. Wish I could get a straight answer about wot happens if I decide to kill a credit card re how that will affect my score. Wish I could find detailed answers to such questions off the net but so far its a foggy area.
Anonymous I replied with this 11 years ago, 1 minute later, 3 hours after the original post[^][v]#568,082
Syntax replied with this 11 years ago, 40 minutes later, 5 hours after the original post[^][v]#568,112
@previous (A)
Has not budged one point from 849 for 3 years. Pisses me off that its not one more point.
Anonymous J joined in and replied with this 11 years ago, 1 hour later, 7 hours after the original post[^][v]#568,126
@568,063 (Syntax)
Credit scores are not free. Credit reports are only legally required to be offered free of charge once per year, and they do not include the score.
Has Google failed you, Syntax?
Anonymous A (OP) replied with this 11 years ago, 9 seconds later, 7 hours after the original post[^][v]#568,127
A credit report is a detailed record of how you've managed your credit over time. Credit reports are used most often by lenders to determine whether to provide you with credit and how much you will pay for it. Credit reports are also used by insurance companies, employers, and landlords.
Your credit score is a number that is developed by a computer model based exclusively on the information in your credit report, and it is intended to predict, for example, how likely you are to repay your debts. For most major scoring models, whether you repay loans as agreed (on time) is generally the most significant factor influencing your score. Another key component of your credit score is how much you currently owe on each account compared to its original loan amount or credit limit. Additional factors include how long you have had your current loans and credit cards, the types of credit accounts you have, and how many recent "credit inquiries" you have.
You can request a free copy of your credit report from each of the three major credit bureaus — Equifax, Experian and TransUnion — once every 12 months, as well as under certain other circumstances, such as if you've been denied credit or employment based on your credit report or if you believe you may be a fraud victim.
To order your free annual report from any of the three major credit bureaus, there is only one place to go: www.AnnualCreditReport.com or call toll-free 1-877-322-8228. Remember to review each report carefully, as the information in your file at each bureau may vary. And, if you receive a notice that a lender or another entity used a credit report from a company other than one of these three credit bureaus, request your free copy from that bureau, too.
If you are interested in knowing your credit score, you can order one for a small fee from a number of outlets, most of them accessible online. When doing so, though, think carefully before signing up for a subscription to additional services, which can be costly. If a lender uses a credit score to help set material terms (such as the interest rate) on your loan or credit card, the lender, in most cases, must inform you of the score and related information free of charge.
Anonymous A (OP) replied with this 11 years ago, 2 minutes later, 8 hours after the original post[^][v]#568,155
@previous (Syntax)
Are you fucking retarded. That says exactly what Anon J said it does. The bureaus do not have to give you your score free. Dumbass.
Anonymous K joined in and replied with this 11 years ago, 3 minutes later, 8 hours after the original post[^][v]#568,157
Over 9000.
Syntax replied with this 11 years ago, 3 minutes later, 8 hours after the original post[^][v]#568,160
@568,155 (A)
Clearly you cannot read simple English as ritten out by US Gov
Federal law requires each of the three nationwide consumer credit reporting companies - Equifax, Experian and TransUnion to give you a free credit report every 12 months if you ask for it. They also make it easy to accomplish many credit-related tasks right from your computer. Visit today to learn more.
One of these things is not like the others.
You may think you have one credit report and one credit score. But you really have several, and they may differ. You should check all three reports regularly.
Anonymous A (OP) replied with this 11 years ago, 2 minutes later, 8 hours after the original post[^][v]#568,165
@previous (Syntax)
Credit report, not credit score. No right to a credit score. Honestly, syntax. Read your own fucking quoted material for once.
Anonymous L joined in and replied with this 11 years ago, 3 minutes later, 8 hours after the original post[^][v]#568,168
Anonymous H replied with this 11 years ago, 4 minutes later, 8 hours after the original post[^][v]#568,169
@568,165 (A)
Sure you do not get the absolute number, If you want that for free and are willing to get spam on a email you submit you can go to this site https://www.creditkarma.com/
Gin up a toss away email account and submit- They do it for free and expect to direct emails to you which of course you're never going to read.
If you have a bank account then most bank managers can look up your score in less then 1 minute and give it to you. You can also apply on the phone for a credit card and usually the customer service person will give you the number IF they approve your account- If not you really do not need to know that number if you get my drift
Syntax double-posted this 11 years ago, 3 minutes later, 8 hours after the original post[^][v]#568,170
Oh and for example my Capitol One credit card sends me mail once a month and with one click I can review my credit history and score and its graphed and I can see if anyone has looked into my account and that is all for Free for Me and Free for you
Its a terrific card that gives you bank 1.5% unlimited on all charges- I no longer use it as I have a card that gives me 2% cash back with almost as great customer service
Anonymous A (OP) replied with this 11 years ago, 2 minutes later, 8 hours after the original post[^][v]#568,171
@568,169 (H)
In other words you were fucking wrong.
Syntax replied with this 11 years ago, 4 minutes later, 8 hours after the original post[^][v]#568,173
@previous (A)
Its not like I am in the running to be the next Jesus Christ and even he made Mistrakes.
Nor have I had the need to get a Gov approved credit report- But OP face facts IF IF IF anyone gets that freebee report and it shows you are a bad risk - Do you think the number means much
And if the report reads as a terrific credit risk then the number is only good for Ego and I admit I have such.
Marsden "Bill" William Miller joined in and replied with this 11 years ago, 10 minutes later, 9 hours after the original post[^][v]#568,179
My credit score no longer matters
Metæ replied with this 11 years ago, 25 minutes later, 9 hours after the original post[^][v]#568,192
@previous (Marsden "Bill" William Miller)
After 11 failed businesses I'm surprised you still have one.
Anonymous B replied with this 11 years ago, 8 minutes later, 9 hours after the original post[^][v]#568,196
> OP tries to disprove Syntax > fails hard
OP BTFO
Broseph !!fxnDb+Ve4 joined in and replied with this 11 years ago, 22 minutes later, 9 hours after the original post[^][v]#568,205
806
Broseph !!fxnDb+Ve4 double-posted this 11 years ago, 7 minutes later, 10 hours after the original post[^][v]#568,206
@568,196 (B)
OP is correct, they are required to give you the credit report once a year, not your FICO score. Some credit card, like the Discover It card, tell you your FICO score on your statement each month, but I believe they must pay some sort of royalty to do so. I can see the FICO score of every customer I deal with every day, but I'm not allowed to tell them the FICO score because it is proprietary.
Marsden "Bill" William Miller replied with this 11 years ago, 27 minutes later, 10 hours after the original post[^][v]#568,209
@previous (Broseph !!fxnDb+Ve4)
This is factually correct.
Syntax replied with this 11 years ago, 15 minutes later, 10 hours after the original post[^][v]#568,221
@568,206 (Broseph !!fxnDb+Ve4)
As I said Capitol One does if you get the Quicksilver no fee card. They say this
Capital One Credit Tracker
Enjoy 100% free unlimited access to your credit score, what-if simulator, and other tools that help you monitor your credit profile with Credit Tracker.
I stopped using it because one of my broker accounts Fidelity started to offer a free AMEX card with 2% cash back unlimited. But of the many cards I have and use - Capitol one has the best customer service!! The downside of the AMEX is of course a few merchants do not use it re AMEX charges more to merchants.
> but I'm not allowed to tell them the FICO score because it is proprietary.
About two years ago I had to open a Credit Union bank account to make it easy for a lessee of a house to deposit monthly fees. When I applied for the account the manager smiled and told me my score without me asking. Perhaps where you work its just a policy to hold back the number so you don't end up in any arguments?
Broseph !!fxnDb+Ve4 replied with this 11 years ago, 57 minutes later, 11 hours after the original post[^][v]#568,233
@previous (Syntax)
No. The account manager either bent the rules, or told you because they may be allowed to disclose the FICO upon initial application because they pay for that. Also, Capital One and Discover pay loyalties to tell you what your FICO is each month. The whole point of the argument you're having with OP is that credit bureaus are not obligated to tell you your credit score, just your credit report once per year, because FICO scores are proprietary and they do not release them without getting their fee. You may get your credit score by calling Experian, Equifax, or Transunion and paying them for it, or by having a credit card company that pays them for you, but they will not give you your score for free. OP is correct and you're using murky language to back pedal.
Some websites claim to give you your credit score by taking your credit report and applying a non-proprietary algorithm similar to the one they use to determine FICO to make a very good guess at what your FICO would be, but it's an approximation, not guaranteed to be accurate.
Anonymous O joined in and replied with this 11 years ago, 1 hour later, 12 hours after the original post[^][v]#568,239
@568,221 (Syntax)
We're still waiting for you to admit that you were wrong, Lynne.
Marsden "Bill" William Miller replied with this 11 years ago, 9 hours later, 22 hours after the original post[^][v]#568,296
Syntax replied with this 11 years ago, 2 hours later, 1 day after the original post[^][v]#568,312
@568,233 (Broseph !!fxnDb+Ve4)
Broseph its a mean competitive world out there and things change in milliseconds.
1: Experian offers there full report with FICO score for $1 with no spam email. They do this with the intention to trap you into the following
Important Information: When you order your $1 Credit Report & FICO® Score, you will begin your 7-day trial membership in Experian Credit TrackerSM. If you don't cancel your membership within the 7-day trial period**, you will be billed $21.95 for each month that you continue your membership. You may cancel your trial membership any time within the trial period without charge.
** The credit monitoring benefit may only be available for 5 days during your trial period since enrollment can take up to 48 hours. You may cancel your trial membership any time during your first 7 days without charge.
You can get 3 FICO's for the price of $1 TransUnion Equifax Experian https://www.creditreport.com
Had to scroll down through a massive amount of fine print to find the catch/trap and it is misleading only "Credit Monitoring Membership With Free Trial (Applicable to Single-Bureau Monitoring"
They give you 9 days to cancel the account but bottom line is you best cancel in 5 days re a lot of fine print gobblel goop.
DID Discover in fine print more about the Fed Law where a few people here can get a free report from any agency once a year INCLUDING the FICO IF they meet the following Fed requirements
The FCRA also states that individuals are entitled to receive a full disclosure, including the FICO score, directly from the consumer credit reporting company free of charge under the following circumstances:
You have been denied credit, insurance or employment in the past 60 days as a result of your report
You certify in writing that you are unemployed and intend to apply for employment in the 60-day period beginning on the day you make the certification
You are a recipient of public welfare assistance
You have reason to believe that your file at the agency contains inaccurate information due to fraud
Looks like several people on MC have enough loop holes to get all they need for free or pay $1 and cancel the same day they get the One two or three scores.
Each agency including credit monitoring sites listed with costs including the $1 AND of the 3 TOP Credit agencies only Equafax fails to offer a free trial.
NextAdvisor.com is a consumer information site that offers free, independent reviews and ratings of online services. We receive advertising revenue from most but not all of the companies whose products and services we review. For credit cards, we review cards from all of the top 10 US issuers by purchase volume (according to Issue 1035 of The Nilson Report, Feb 2014) excluding issuers that require additional accounts to be a cardholder and private label issuers. We may also review cards from other issuers in select cases. We do not review all products in a given category. We are independently owned and operated and all opinions expressed on this site are our own.
Looks like NextAdvisor only makes a dime if you click through a choice - Looks legit to me but hey even $1 may be to costly for a few here.
Anonymous A (OP) replied with this 11 years ago, 55 minutes later, 1 day after the original post[^][v]#568,322
FAO: Syntax
Just admit you're wrong, retard.
Syntax replied with this 11 years ago, 12 minutes later, 1 day after the original post[^][v]#568,324
@previous (A)
As I said I am not in the running to be Jesus Christ replacement.
HowSomEver You said you have a 759 FICO. One can only assume you not dumb as fuck and paid for it. So one can assume YOU got it for Free Unless U R willing to admit to being dumb as fuck for paying4
As you must no 759 is just one point off Excellent. Best you get with it and bump it up a few.
Anonymous R joined in and replied with this 11 years ago, 38 minutes later, 1 day after the original post[^][v]#568,327
@previous (Syntax)
Just say that you were wrong. Say it!
Anonymous S joined in and replied with this 11 years ago, 34 minutes later, 1 day after the original post[^][v]#568,337
@previous (R)
That old fucking goat will never admit he's wrong. It's bad for his image. Therefore, he will ramble on and on, and google shit, until we all get bored and quit looking at this thread.
Anonymous A (OP) replied with this 11 years ago, 27 minutes later, 1 day after the original post[^][v]#568,339
@568,324 (Syntax)
I got it for free from my Discover card you moron. Discover, believe it or not, gives it to people even there's no federal law requiring them to do so.
Fake anon !ZkUt8arUCU replied with this 11 years ago, 3 minutes later, 1 day after the original post[^][v]#568,341
@previous (A)
You don't know what you're talking about. Syntax is just right as always. Thanks.
Syntax replied with this 11 years ago, 11 minutes later, 1 day after the original post[^][v]#568,342
@568,339 (A)
So you agree that one can get the FICO for Free.
Waz on the phone moments ago with my BoA bank manager and she said the full credit report the bank gets is a far more complete one then the one WE get. And that there are even more complete and costly versions the bank can ask for.
According to Broseph Discover is paying for the privilege to hand you that score for free. I suspect that is true of my Capitol One Silver card. And b4 you call me a Moron - You said > No right to a credit score
Then now say with discover card you do have the right. Discover card that I gave up years ago now shows a poor cash back policy as compared to my BoA Rewards card. The amount varies each quarter and no matter wot it tops out so its limited. And congrats from being only one point from a Excellent score -NOR is it easy to find out exactly wot to do to get a few more points.
Marsden William "Bill" Miller joined in and replied with this 11 years ago, 21 minutes later, 1 day after the original post[^][v]#568,348
Broseph !!fxnDb+Ve4 replied with this 11 years ago, 54 minutes later, 1 day after the original post[^][v]#568,366
@568,312 (Syntax) > Broseph its a mean competitive world out there and things change in milliseconds.
That means jack shit. We're talking about the rules now. > Experian offers there full report with FICO score for $1 with no spam email. They do this with the intention to trap you into the following
$1 + trap > free
Anonymous U joined in and replied with this 11 years ago, 6 hours later, 1 day after the original post[^][v]#568,433
@568,342 (Syntax)
Credit scores are not free. Credit reports are only legally required to be offered free of charge once per year, and they do not include the score.
Has Google failed you, Syntax?
Syntax replied with this 11 years ago, 14 minutes later, 1 day after the original post[^][v]#568,435
@previous (U)
You need reading glasses. OP has already said he gets his FICO score free from Discovery Card.
Anonymous A (OP) replied with this 11 years ago, 1 hour later, 1 day after the original post[^][v]#568,441
@previous (Syntax)
Discover Card is not free. Do you think businesses give people things for free??
Anonymous B replied with this 11 years ago, 4 minutes later, 1 day after the original post[^][v]#568,446
@previous (A)
Yes. Have you never heard of complimentary breakfast?
Checkmate, OP. I think that you owe Syntax an apology.
Syntax replied with this 11 years ago, 10 minutes later, 1 day after the original post[^][v]#568,449
@568,441 (A) > Discover Card is not free. Do you think businesses give people things for free??
One quick look at Discover card and they show no annual fee. Of course there are several types of cards and perhaps YOU have to pay an annual fee?
> Do you think businesses give people things for free??
LOLOLOL of course they do. Banks for instance and Chase has been the very best example of lots of FREE Cash up front to open a bank account then another bank account then another and each time its $200 to $250 and YES one has to agree to keep the account open for 6 months but then you can cancel and weeks later an offer for cash up front - Other banks the same
Over the last three years I bet I have taken in about $1500 or so in free cash for credit card offers and bank account offers. Chase Freedom credit card paid me $200 to take their card then weeks later offer in mail for Chase Sapphire with $250 to open the account
Banks used to be famous for free toasters or a blender. Lots of business freebees and I suspect you not so dumb as fuck 2not have a clue re such. Sushi places I go to give repeat customers all kinds of free Sushi or appetizers. Kids get free crap toys from McD's AND AND If you have been around a few years how about ALL THOSE Free AOL accounts back in the dial up days.
(Edited 1 minute later.)
Syntax double-posted this 11 years ago, 2 minutes later, 1 day after the original post[^][v]#568,450
@568,446 (B)
hummmmm of course that breakfast is built in to the daily fee.
Me thinks OP is just playing a game here as his story keeps changing
Anonymous V joined in and replied with this 11 years ago, 3 hours later, 1 day after the original post[^][v]#568,476
@568,435 (Syntax)
Credit scores are not free. Credit reports are only legally required to be offered free of charge once per year, and they do not include the score.