Aug
28
2009
Is There A Credit Score Reporting Agency That Can Give Me My Credit Score?
Posted by: Alan in Credit Score, tags: Agency, Credit, Give, Reporting, Score, That, There
I really need a company that will tell me how to improve my credit score on MY specific credit report, not general tips.
Entries (RSS)
August 28th, 2009 at 10:25 pm
Any one of the huge three can give you your credit score.
Experian, TransUnion, and Equifax will all give you a free copy of your credit report.
The best way to get your credit score up is pay all of your bills on time, all the time, and consistently. There is no instantaneous fix, and it will take time.
August 29th, 2009 at 3:55 am
Don’t hire a credit repair company, they only steal your money. You yourself can do everything that they charge you to do. The best way to get your credit back on track is to truly learn about credit at places like http://www.creditboards.com.
Credit repair takes time, it will not come over night….no matter what any credit repair company tells you. And for the like of anything you hold holy…don’t go with one of those companies that make your payments for you….they can really wreck your credit.
the three largest credit-killers are:
1. late pays
2. utilization (the amount you owe compared to the amount of credit you have)…this is both per card, and cumulatively over all your revolving accounts.
3. and lastly…credit counseling or credit repair services (yup, you hire them to help you straighten out your credit and it lowers your FICO.
Seriously, check out creditboards (or other legit credit self help forums…it is a lot of work, and a long road….but you come out in the end knowing just about everything there is to know about credit.
August 29th, 2009 at 6:43 am
It doesn’t work that way. You will only get general tips, not specifics.
Basically, pay off your credit cards. Carrying balances of morethan 30% hurts your score. Pay them off and get a quick score boost.
Paying off derogatory items won’t improve your score unless you get the item removed. But paid ancient debt looks better than unpaid. Creditors look at more than just your score.
You will probably get the best info on how to improve (still just general info) at MyFico.com. You have to pay for the scores but you will get real FICO and not Fako that a couple of the credit bureaus sell you.
Basically, time and consistent excellent payment history builds up your score.
August 29th, 2009 at 7:11 am
You can get a copy of your FICO score by purchasing it at http://www.myfico.com . You will have to buy it from them. But, I have a Washington Mutual credit card that shows me my FICO score online for free and gives me recommendations. This is just a free service they provide for their cardholders it seems. Also, Suze Orman sells a FICO kit that I hear is pretty excellent and can help you with all kinds of suggestions, depending on your specific situation.
HTH!
August 29th, 2009 at 7:31 am
videogamer1979, I recommend you call a local credit rebuilding company. http://www.tipstoimprovecredit.com They should have some programs for you.
August 29th, 2009 at 8:43 am
Read this for your score:
https://www.annualcreditreport.com/cra/index.jsp?go=yes
The govt gives us one free report a year (without going through one of those companies that makes you “sign up” for something).
August 29th, 2009 at 3:37 pm
freecreditreport.com
also, those tips ARE specific directions on how to improve your credit score.
August 29th, 2009 at 8:37 pm
Try this one – http://creditreport.fateback.com
I use it to monitor my credit score during last 3 years. And also cleaned off some terrible items from my credit report.