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Credit Score Law

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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?


Credit Score Statistics

credit score statistics
Question: AP Statistics Question?

I did terribly on an AP statistics exam and teacher offered to give 1/2 credit for corrections made. Help?
Can you solve and explain somewhat? I am completely lost. Please Help! Can you do step by step? Would be so grateful!

The amount of time a Woodward Academy AP Stat student spends on homework each evening is approximately normally distributed. If 22% of the 75 students spend at least 47 minutes doing homework and Erin, who spends 65 minutes has a standardized score of 1.932, determine:
a) the mean and standard deviation of the distribution.
b) the approximate number of students who spend less than 20 minutes on homework

Answer: For normal distribution:
1) draw a usual normal distribution curve (bell curve). Horizontal axis is the time spended in minutes. Far left = 0min, far right = infinite min.
2) draw a vertical line at the middle that divides the curve into left and right equal parts.
3) where the vertical line cut the horizontal axis (middle) is the location of the mean (in minutes).

You may use a normal distribution table or by using EXCEL to find:

22% gives z=0.772
that is: 47min is 0.772S away from the mean (S=standard deviation)
the location of this point on the horizontal axis is 0.772S from the mean to the left and that is 47min. Area on the left of this point under the curve is 22% of the total area under the whole bell curve from left to right.
Note: total area under the bell curve always is 100%

Given that 65min has z=1.932
that is: 65min is 1.932S away from the mean
the location of this point on the horizontal axis is 1.932S from the mean to the right and that is 65min.

(a)
therefore:
mean - 0.772S = 47
mean + 1.932S = 65
subtract the 2nd expression by the 1st expression above:
1.932S - (-0.772S) = 65 - 47
2.704S = 18
S = 6.657 min
that is each S equals 6.657 min

Substitute S into the 1st expression:
mean - 0.772 x 6.657 = 47
mean = 52.14 min
that is at the middle of the horizontal axis

(b)
you have to know 20min is how many standard deviation away from the mean:
z = (52.14 - 20) / 6.657 = 4.83
that is: 20min is 4.83S away from the mean to the left.
use table or EXCEL again:
as z>4, percentage below (mean - 4.83S) is almost 0%
that is a very very tiny area on the far left under the curve, almost nothing there !
Hence, there is no student spends less than 20min on homework.

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Credit Score Myths Debunked

Six Credit Score Myths Debunked