Repair Credit Score

Archive for April, 2011

Question: Where exactly can you check your Credit Score for FREE?

All of the ligitimate sources I have looked at have a sign up scam running. You must sign up for credit protection plans or the like before you can get your free score. You must give them your credit card number for your free trial that by the way is difficult to get "unsubscribed" to. I thought the law said you could get a free Credit Score yearly. Where do I do this?

Answer: You can only get your Credit Report for free, not your score.
Under the FACT Act, you're allowed one free report per bureau, once every 12 months.
To get your free reports, go to AnnualCreditReport.com. ACR is the only government approved website to receive your free reports; no credit card or registration for credit monitoring services required.
Once you receive your free report, you can order your score on the website for a small fee.

Law & Court : Will an Unlawful Detainer Judgment Affect Your Credit Score?

Question: Having a cosigner for a car loan with a really good credit gets you the best interest if your credit is fair?

I'm financing a car, and my Credit Score is fair or good I think (my FICO Score is 672) so I'm getting my dad as a cosigner (his fico is 742) to get a better interest rate. If I do that should the interest rate be the average of the interest rates we will get as if we were applying on our own? I've never missed payments or anything, but my credit history is not old enough yet. I'm getting a 2008 Honda Civic and after my down payment I'll borrow around 8k-9k, so my payments are in the range of 190 to 250 if I do it in 60 months, but I can pay off the car within a year. I only want to get a good reliable car that is good on gas plus I want to have a record of having a car financed.

Answer: Financed cars is more expensive to insurance cause it requires full coverage. You can compare how much you would pay for full coverage of this car using this tool - carquotes.fateback.com

Why Knowing Your FICO® score Is So Important

Question: New SSN, New Job, H1B Visa. Car loan possible?

I'm on H1B work visa and started working Oct 1st. Received my SSN card 3 weeks ago, so I'm very fresh and obviously don't have any credit at all.

Answer: Financed cars is more expensive to insurance cause it requires full coverage. You can compare how much you would pay for full coverage of this car using this tool - carinsurance.yoll.net

How To Understand a Credit Card Point System