Straight talk about the convoluted world of credit scores from author Evan Hendricks, who says it’s all a game to make you cough up more dough.


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  1. Um…duh?

  2. FatLynn says:

    Does anyone know how I let the credit agencies know about a new job? They have me listed at my old employer, and because I make more at my new job, it affects things like debt-to-income ratio.

  3. BillyShears says:

    I pay American Express about $12/month for continual credit score monitoring, unlimited credit reports and promised “help” in clearing up any issues I see on said reports.

    It seems to be worth it, I have yet to (thankfully) test the last option.

  4. ceejceej says:

    @FatLynn: hmm… I’m not sure your salary is even reflected on you credit report… isn’t that why most creditors ask for you to list/verify your income on the application?

  5. enm4r says:

    @ceejceej: Correct. Salary is not reflected on your report. The ratio I believe FatLynn is talking about is the debt to limit ratio.

  6. Trai_Dep says:

    $144.00/yr to essentially get a credit report whenever you want? When you can get one per year free as mandated by Federal law?

    Doesn’t seem the wisest use of your valuable money, BillyShears…