The video series THE FUNNY TRUTH ABOUT CREDIT by Experian educates consumers about credit, starring well-known celebrities in hilarious real-life situations. In this episode, comedian Jon Lovitz learns about credit bureaus, their purpose, and what they do with the information in your credit report and credit score from financial expert Maribel Aber. Co-starring Sarah Hyland. Visit http://www.experian.com/credit-education/
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On Thursday, May 6, Experian director of public education Rod Griffin answered your questions on credit scoring and credit reporting live via a video stream from the CreditCards.com studio in Austin, Texas. Here is part 5 of 6 in the series.
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(link to my video for recommended antivirus for windows)
http://www.youtube.com/watch?v=Gz5FeS0dhCU
Wondering how to get your free personal credit report? There are a lot of websites out there that are charging you and putting you on continuity programs just to access to your credit report. You dont have to pay anyone to get your credit report! You can get it online at www.annualcreditreport.com. You can only get it from each credit bureau once every 12 months so you could spread out the times you get your credit report from each of the big 3 companies (possibly once every 4 months?)
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http://www.creditexpert.co.uk
Check your credit report for free with the Credit Expert.
If you’re wondering what’s in your credit report, why not use my personal website, http://www.creditexpert.co.uk. Enjoy it for 30 days absolutely free. I insist.
I became such an expert by using creditexpert to check my credit report – and even though I travel the world, I always make sure I go out of my way to use the site.
I make sure my contact details are up to date so CreditExpert can send me email alerts about changes to my report.
I regularly log onto into CreditExpert, however busy I am, to ensure I’m on top of my credit report.
Why don’t you try it?
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FREE Credit Reports & SCORE @: http://snipr.com/free-creditreport
Claim your FREE E-book via email at: credit_fix@live.com
Music: http://www.myspace.com/dynastysp
Duration : 0:1:2
Jean Chatzky is correct, you cannot get your FICO score–the score that is used by lenders–for free.
However, if you want an approximation of that score, there are a few companies that will provide them for free.
But keep in mind, that each free attempt will in fact add an inquiry to your report which has been known to lower your score. See credit score myths below.
And all [except MY FICO] are the credit scores developed by the credit bureaus themselves, Experian, TransUnion, and Equifax, and are not your actual FICO scores.
Only the FICO score from myfico.com is used by lenders to determine your credit worthiness.
CreditKarma.com:
Gives you your TransUnion score. But it is Advertising-supported.
E-Loan:
Experian score. If you visit their website, be sure to scroll down to “One-Time Credit Snapshots” and “Free Credit Score (Credit Score Only)”
Prosper:
Experian score.
Feel free to ask any credit related questions in the comments section of this video. I’ll be happy to answer them if I can.
ALSO, PLEASE FREEZE YOUR Credit Reports!!!!!!
and please go to www.optoutprescreen.com to opt out of all offers of credit and insurance for 5 years. Don’t bother with the permanent opt-out.
Credit score myths:
Myth: You have only one credit score.
You actually have three scores, one from each of the three bureaus (Experian, TransUnion, and Equifax). They use the same “equation” from Fair Isaac Corporation but they each collect their own data, they each have their own slightly different weightings on the score components, and they each make their own share of mistakes. This is why it’s important for you to review each of your credit histories each year using government sponsored AnnualCreditReport.com. Some lenders pull your score from all three and use the middle value, some only pull from one. In the end, you need to ensure your information is 100% accurate.
Myth: Checking your score will hurt it.
There are two types of inquiries – soft inquiries and hard inquiries. A hard inquiry is when a financial institution uses your credit history to determine whether or not to extend you credit. A hard inquiry will appear on your report and negatively impact your score (this is why experts recommend you avoid applying for credit cards right before a mortgage application). A soft inquiry is when an institution uses your credit history to confirm your identity or when you personally review your credit history. Since it’s not used for a lending decision, it doesn’t negatively impact your score. Checking your history or score will not hurt your credit.
Myth: Shopping around for the best loan will hurt your credit score
Shopping around for the best loan will result in a lot of hard inquiries on your credit report but this is a special case. For mortgages, home equity, and car loans, a flurry of hard inquiries won’t hurt your score if they are within a 14 or 30 day window. Credit bureaus understand you will be making numerous inquiries to get the best deal. This rule does not apply to credit card application inquiries, each one of those will hurt your score regardless of how quickly you do them.
Myth: My FICO score dictates whether you get credit and at what interest rate.
Truth: The FICO score is a very important part of determining whether you get credit and at what interest rate but it’s not the only thing lenders use. When you apply for a loan, lenders will ask you for your bank account statements, your paystubs, and your outstanding debts in addition to pulling your credit. Lenders want to know whether you will be able to repay the debt and they cannot rely just on the score alone. If you have a lot of debt compared to your income and a high credit score, lenders could deny you credit. If you have little debt compared to your income and a low credit score, lenders could still extend you credit. Score is not the final arbiter, just a part of the equation.
Myth: Getting married will hurt (or help) your credit score.
After you are married, each spouse still has the same credit worthiness they had before they were married. Your scores won’t increase or decrease because you were married. The reason why people believe this myth is because when you start applying for loans, you’ll be applying for a joint loan where both spouses will be responsible. In this case, your aggregate score can go up or down. However, the act of getting married doesn’t change one’s credit worthiness.
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If you’re checking your credit report regularly, you should be looking for more than your credit score. You should also check for mistakes on your credit report and make sure all the information is accurate. If you find a mistake on your credit report, you will want to file a dispute with the three credit reporting bureaus. By law, the credit reporting bureaus are required to address your dispute within 30 days. Sometimes the credit reporting agency can come to a quick resolution, but other times, it may take longer to come to an agreement with the lender. Either way, watch your credit report very carefully for any false information and file a dispute immediately.
Duration : 0:2:38
http://onlinecreditreportsfree.com
Get your 3-in-1 credit report fom Experian, TransUnion and Equifax. Check your credit history and get fraud alerts to protect your identity. Experian credit reports, transunion redit reports, equifax Credit Reports… and credit scores free.
Some require credit cards and some don’t… most states require that the credit bureaus provide at least one free credit report annually.
free credit report rating history equifax freecreditreport com 3 in 1 3 bureau credi report free credit score and report 3-1 transunion experian
Duration : 0:0:55
http://www.creditexpert.co.uk
Improve your credit rating and credit score with the Credit Expert.
If you’re curious about your credit rating, visit my personal website, http://www.creditexpert.co.uk. You’ll earn more about your credit rating and score. Enjoy it for 30 days absolutely free. No, No, I insist.
Did you know, my diary records when to pay bills so they can always be paid on time. I keep all my paid bills – some are even framed on a wall in my house.
Why? Well, I became such an expert by using CreditExpert – I regularly log in, however busy I am, to ensure I’m on top of my credit rating.
I make sure my contact details are up to date so CreditExpert can send me email alerts about changes to my report.
Why not try it yourself?
Duration : 0:0:40