Since 2015 Citi has offered cardholders a free FICO score. They are now offering a free FICO score to anybody, there is no need to be a Citi customer. You can access this new website by clicking here or by visiting . It looks like this... Read More →
Update: Originally post on August 4th, 2016. Reposting because according to this post on myFICO Alliant will be discontinuing their Share Secure loans on January 2nd, 2018. Currently (5/27/18), the best options to do this trick is with... Read More →
One thing that many people don't know is the effect your credit can have on your insurance. In most states, your credit score can play a larger role in the price of insurance than many other factors do. If you didn’t know that, you’re... Read More →
Reposting this as we’re coming into July 1st. It seems like that will actually start removing these from their databases starting July 10th. More information here. The WSJ is reporting that starting around July 1st the three major... Read More →
Seattle Times just published an article titled “Major changes coming to how your credit score is calculated“. Several readers asked my thoughts on this. First of all the title is extremely misleading as the VantageScore... Read More →
After reading yet another disappointing Kristin Wong post (“All the Credit Card Companies That Offer Free Access to Your Credit Score“) over at Lifehacker’s Two Cents, I felt the need to tackle the subject in a more... Read More →
American Express used to backdate new cards (e.g when you opened a new card they would reported your member since date, rather than when the new credit card was actually opened). This practice ended on March 21st, 2015 for new cards... Read More →
Yesterday I let you know that Chase would be launching a new free site called Credit Journey that would give users access to a free credit score, credit monitoring and other benefits. That site has now launched, so I thought I’d... Read More →
update: a number of data points have rolled in and I feel pretty comfortable stating that this is a generally applicable rule. How close the applications need to be is up in the air, but 30 days seems to be the maximum limit. Recently... Read More →
In September both Equifax & TransUnion began to offer ‘trending data’ to mortgage lenders. Traditionally your credit reports have only shown whether you paid a credit card bill on time or not, but they didn’t... Read More →
We write a lot of content on this site, the downside to this is that a lot of the information is only usable for a limited time. This unfortunately means that information that is always useful is more difficult to find, I’ve put... Read More →
It was previously possible to access your Experian FICO score for free (through Discover for everybody and other card issuers for their cardholders) and monitor your Experian credit report through credit.com. Experian have now made both... Read More →
Bank of America offers a Transunion FICO score for their cardholders, and there’s now a public landing page to signup for the free benefit. Direct Link A couple of weeks ago, some of us started seeing the free FICO benefit show up... Read More →
Bank of America is now allowing many of us to enroll for a free FICO score monitoring benefit which shows the Transunion FICO score in their credit card login. At the beginning of 2015, President Obama announced at a speech at the... Read More →
Wells Fargo was one of the few credit card issuers that didn’t offer a free credit score to cardholders, in an unannounced move Wells Fargo cardholders can now access their FICO Bankcard Score 2 based on Experian data. Unlike the... Read More →
