Get A Totally Free Credit Score from Credit Sesame

It wasn’t until a few years ago that a consumer could obtain their credit score without entering their credit card information.  Most credit monitoring services would offer a “free trial”, ready to charge the day after the trial expires.  Now, anyone can obtain their  Experian credit score for free, without entering payment information by signing […]

Published or Updated: December 20, 2011

Credit Reports vs. Credit Scores: Do You Know the Difference?

Last week I helped a family member get a copy of their credit report and credit score. One thing they found confusing was just what the difference was between the two. Contrary to what many believe, a credit report and a credit score are not one and the same. While they are variations on your […]

Published or Updated: April 28, 2016

How an Unpaid Traffic Ticket Can Wreck Your Credit Score

So you have an unpaid traffic ticket. That’s not the crime of the century. But based on an article I read this week in the Washington Post, it could have significant ramifications for your credit score. And yes, it could cost you $65,738 or more in extra interest payments. Here’s the deal. Ashley Halsey III […]

Published or Updated: November 2, 2011

Triple Credit Report and Score from Privacy Guard for $1

Free credit reports are nothing new. But as we’ve have written before, while you can get your free report at AnnualCreditReport.com, it won’t come with your credit score.  A company called Privacy Guard, however, just launched a 30-day trial for $1 that allows users to check their triple credit report and score. So I decided […]

Published or Updated: November 26, 2011

What is the Range of Credit Scores?

When I went to law school, the grading scale was bizarre. Unlike the normal 0 to 100 range, where say 90 to 100 was an A, the highest mark you could get was a 92. An ‘A’ ranged from an 86 to 92. A ‘B’ was an 80 to an 85. And this reminds me […]

Published or Updated: May 23, 2016

All About Credit Scores

Here’s an impossible question to answer–What’s my credit score? The reason nobody can answer that question is because we all have more than one score. In fact, we have many, many credit scores. Here’s another impossible question to answer–What’s my FICO credit score? Surely there is just one FICO score for each of us, right? […]

Published or Updated: June 23, 2016

What is the Average Credit Score?

The desire to know what your credit score is in comparison to the national average may be fueled by an innate interest to understand where you fall in comparison to others or it may be motivated to understand what it takes to qualify for a loan. As we’ve written before, all credit scores range from […]

Published or Updated: August 3, 2011

Enough Practice – Make Your Credit Score Perfect!

A FICO credit score can determine a very large number of decisions in your life.  Where you live, what you drive, where you work and where you and or your kids go to school can depend on a 3-digit magic number.   The range of scores begins at 300, for the individuals in life that have […]

Published or Updated: March 5, 2013

How a Late Mortgage Payment Affects Your Credit Score

Have you ever wondered how a late mortgage payment would affect your credit score? How about a foreclosure or bankruptcy? Well, the folks over at FICO did some research into this question and the results may surprise you. The FICO research looked at three hypothetical consumers with starting credit scores of 680, 720 and 780. […]

Published or Updated: March 5, 2013

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