Credit Report And Score Savvy Roundup

Get Your FICO Score Without Breaking The Bank
“…stratagems for seeing your FICO score without subscribing to costly services.”

How To Fix Your Credit Report When Creditors Won’t Admit Their Mistakes
“Review all three credit reports. Start your dispute with the credit bureaus. Contact the creditor…”

Get Another Free Credit Report, Even If You’ve Used Up Your Free One
“Ask for a fraud alert to be put on your credit report. Then, ask for a free copy of your report. As a potential victim of identity theft, you’re entitled to one under Federal law.”

Dispute Credit Histories When Companies Combine
“Then that student loan company was acquired by another. For the third time, I disputed the information and it was deleted because the new company was unable to provide any details or evidence.”

Fix Your Credit Score Fast, For A Price
“…with the help of a “Rapid Rescoring Expert,” you can have errors corrected and be on your way to a life of happy indebtedness in 24-72 hours.”

Are Minors Responsible For Their Credit Card Debts?
“TransUnion spokesman Steven Katz said, “A minor cannot enter into any contractual agreements.”

20 And No One Will Give Me Credit, What’s Up?
“See if you can get a parent to sign you on as an authorized user on one of their credit cards, that should boost your credit history.”

How To Improve Your Credit Score With Department Store Credit Cards
“1) Apply for department store cards, like at Macy’s or Bloomingdale’s. These are “in-house revolving credit lines” and are not bank-issued.
2) Make a few small purchases with them, $25-$50.”

Comments

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  1. ptkdude says:

    Regarding your one free credit report per year: this varies by state. One is just the minimum that they have to give you. In Georgia, for example, you get two.

  2. kalikidtx says:

    FYI about putting fraud alerts on your bureau, I work for a company that approves people for large loans everyday, and my one piece of advice, if you are the type of person that likes to take advantages of the instant credit offers (get an instant auto loan, get the “company store” card and recieve x% off todays purchase, and so on), a fraud alert will slow down that process considerably. Do not get my wrong if you have been a real victim of credit fraud get the alert but if not think twice before you do. Once you have a fraud alert on your bureau, any bank that you may want to do potential business with, will not approve you for instant anything, no matter how good your credit is. They have to stop the process, until they can contact you at the numbers you provided on your original fraud alert. And if by chance you have changed phone numbers since that alert went on all three bureaus, the process can take a few days. Just an FYI, do with it what you want…

  3. othersomethings says:

    I posted this just today at lifehacker as well, I guess there’s a frenzy of credit posts lately.

    A resource some of your readers might not know of is http://www.creditboards.com

    Their forums have been a lifesaver for me in the past few months. It’s an incredibly rich resource of people with all kinds of backgrounds and experience on repairing or building credit, and the advice gleaned from those boards (advice I haven’t found while reading dozens of personal finance blogs by the way) has already made a significant impact on my credit score.

  4. Does anyone know if you have the right to view the credit report that’s sent to the bank/company/whatever that’s doing a credit check on you? Is it just background checks?

  5. thrillhouse says:

    @Rectilinear Propagation:

    If you are denied the job/loan/whatever because of the credit report, then yes. Otherwise, they are not required, tho I don’t know that they are barred from showing you.