Credit cards Florida

True, some websites offer you the score for free, but only if you give them your credit card number and sign up for a monthly credit monitoring service, an item you dont need unless you are planning to buy a house and a car every other day. Some of them, like freescore.com, peddled by celebrity economist Ben Stein (whom I wrote about a while ago), charge as much as $29.95 a month, an outrageous amount to learn, for example, that Greedibank made an inquiry to see if you are worthy enough to receive an offer for its Visa Extortion card. Sometimes I think (actually I think it credit cards Florida pretty much all the time) that the hullabaloo about the importance of knowing your credit score and knowing it every moment of the day is nothing more than propaganda pumped out by the scoring companies to scare you. free credit reporting agency Oooh, youd better get your score or something terrible will happen! Doesnt this remind you of the Permanent Record that teachers warned you about in high school? When you finally got to college, you realized that nobody cared that you got a D in French. I developed my own guerrilla method of getting my score without paying.

I download a credit report from the official government website annualcreditreport.com (which allows you to get three free reports a year, one from each of the three major credit bureaus Equifax, Experian credit cards Florida and TransUnion). check credit history Then I fed the data into the FICO Estimator at the webiste of Fair Isaac, the company credit cards Florida that invented the credit score. A couple credit cards Florida of new enterprises have caught my why-pay-for-it fever. Credit Karma buys your score from TransUnion and lets you have it for free, along with tips on raising it (if its low). The drawback: You have to opt in to receive email from the company.

(Of course, if youre really a free-loader, you could direct the stuff to your spam folder.) Credit.com, a financial services website, offers a similar service. It downloads your report from TransUnion and shows you how you rank on credit scoring credit cards Florida systems used by Fair credit cards Florida Isaac, Vantage and TransUnion. official free credit report website