My credit rating jumped 40 points from last month to this month. I think someone stole my identity and started making prudent saving decisions.
I picture some sort of counterpoint to organized crime that steals passwords and sets spending limits on teenagers or alerts people when their interest rate changes.
Along the lines of credit scores…
I have heard that if you check your credit score, it has a negative effect on your credit. This seems like an extremely silly self fulfilling prophecy, encouraging people to wander around in a state of fiscal ignorance.
So, what is the best way to check your credit score? Seriously, I haven't a clue! I tried freecreditreport.com, but even that website made me fill out credit card information and I don't have one!
-Bossk
Along the lines of credit scores…
I have heard that if you check your credit score, it has a negative effect on your credit. This seems like an extremely silly self fulfilling prophecy, encouraging people to wander around in a state of fiscal ignorance.
So, what is the best way to check your credit score? Seriously, I haven't a clue! I tried freecreditreport.com, but even that website made me fill out credit card information and I don't have one!
-Bossk
There are soft inquiries and hard inquiries. Soft inquiries are “just
looking” and do not influence your score, but are recorded for the purpose
of security.
By federal law you're entitled to a free report each year through the FTC.
This is there site: https://www.annualcreditreport.com/cra/index.jsp. Mind
you, these reports might not include the score as the purpose is
monitoring, like to see if someone's been doing stuff in your name.
There are soft inquiries and hard inquiries. Soft inquiries are “just
looking” and do not influence your score, but are recorded for the purpose
of security.
By federal law you're entitled to a free report each year through the FTC.
This is there site: https://www.annualcreditreport.com/cra/index.jsp. Mind
you, these reports might not include the score as the purpose is
monitoring, like to see if someone's been doing stuff in your name.
Along the lines of credit scores…
I have heard that if you check your credit score, it has a negative effect on your credit. This seems like an extremely silly self fulfilling prophecy, encouraging people to wander around in a state of fiscal ignorance.
So, what is the best way to check your credit score? Seriously, I haven't a clue! I tried freecreditreport.com, but even that website made me fill out credit card information and I don't have one!
-Bossk
There are soft inquiries and hard inquiries. Soft inquiries are “just
looking” and do not influence your score, but are recorded for the purpose
of security.
By federal law you're entitled to a free report each year through the FTC.
This is there site: https://www.annualcreditreport.com/cra/index.jsp. Mind
you, these reports might not include the score as the purpose is
monitoring, like to see if someone's been doing stuff in your name.