The Online Credit Score » There http://www.theonlinecreditscore.com Get Your Free Online Credit Score And Report Sat, 05 Nov 2011 13:50:19 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 Is there a general fico score “table” lenders use to decipher interest rates for auto loans/leases? http://www.theonlinecreditscore.com/credit-score/is-there-a-general-fico-score-table-lenders-use-to-decipher-interest-rates-for-auto-loansleases/ http://www.theonlinecreditscore.com/credit-score/is-there-a-general-fico-score-table-lenders-use-to-decipher-interest-rates-for-auto-loansleases/#comments Sat, 07 May 2011 08:14:38 +0000 admin http://www.theonlinecreditscore.com/credit-score/is-there-a-general-fico-score-table-lenders-use-to-decipher-interest-rates-for-auto-loansleases/ Question by SUVCURIOUS: Is there a general fico score “table” lenders use to decipher interest rates for auto loans/leases? I’ve requested the credit bureaus to remove/fix parts of my credit report so that hopefully my fico will go up. I want to get my fico as high as i can before applying for a car loan/lease. I usually put less than10k miles on my vehicles per year. I own a 2001 toyota mr2 with less than 40k miles. I plan on selling it and putting the money down on a purchase if i don’t qualify for a lease. Best answer:

Answer by rob1963man
They have no “tables” per se. But, 720 Fico Score IS the magic number. If you’re over that, you’re going to get premium interest rates for ANY loan, not only auto loans. .

What do you think? Answer below!

]]> http://www.theonlinecreditscore.com/credit-score/is-there-a-general-fico-score-table-lenders-use-to-decipher-interest-rates-for-auto-loansleases/feed/ 0 Credit Bureaus Provides a Free Credit Report Annually – Is There Still a Need to Buy a Credit Report? http://www.theonlinecreditscore.com/credit-report/credit-bureaus-provides-a-free-credit-report-annually-is-there-still-a-need-to-buy-a-credit-report/ http://www.theonlinecreditscore.com/credit-report/credit-bureaus-provides-a-free-credit-report-annually-is-there-still-a-need-to-buy-a-credit-report/#comments Mon, 11 Apr 2011 23:12:06 +0000 admin http://www.theonlinecreditscore.com/credit-report/credit-bureaus-provides-a-free-credit-report-annually-is-there-still-a-need-to-buy-a-credit-report/ (PRWEB) December 19, 2004

Under the Fair and Accurate Credit Transaction Act, the three national credit bureaus must provide a free, annual credit report to every consumer upon request. A national roll-out of the free credit reports began December 1, 2004. Depending on where you live, you may not be eligible for the free credit report until September 1, 2005.

If you’re looking to make a major purchase, or if you suspect that someone may be using your personal information to apply for credit in your name, chances are, you are going to need a credit report. Each credit bureau agency may carry different information on your credit report, so it is often recommended that you check all three credit reports. AnnualCreditReport.com allows you to do just that, instantly and online (so long as you correctly answer questions about your credit history for authentication purposes).

Credit bureaus are not required to provide you with a free credit score, which is a major determining factor when you’re buying or refinancing a home. Each of the major credit bureaus have provided the option of purchasing your credit score online during the free credit report process so that you can quickly review your entire credit information. Each credit bureau may reflect a different score for you, so it is a good idea to check all three credit scores. They also offer an easy vehicle to initiate credit disputes so that you can correct incorrect credit information while you’re viewing the report. Accurate credit information is particularly important when you’re trying to obtain a competitive interest rate and inaccurate credit information is lowering your credit score.

So do you still need to purchase a credit report? The answer is yes, if you want to continue to monitor your credit information throughout the year. Checking your credit report several times a year ensures its accuracy and helps deter against identity fraud.

Balanced Credit (http://www.balancedcredit.com) is a great resource to access all of your online credit information in case a free, annual credit report is not yet available in your area. It provides you with links to get your online credit report and/or online credit score from the credit bureau you choose as well as contact information for each of the major credit bureaus.

Contact Information:

Balanced Credit

http://www.balancedcredit.com

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]]> http://www.theonlinecreditscore.com/credit-report/credit-bureaus-provides-a-free-credit-report-annually-is-there-still-a-need-to-buy-a-credit-report/feed/ 0 is there a site to get a free credit report without signing up for anything? http://www.theonlinecreditscore.com/credit-score/is-there-a-site-to-get-a-free-credit-report-without-signing-up-for-anything/ http://www.theonlinecreditscore.com/credit-score/is-there-a-site-to-get-a-free-credit-report-without-signing-up-for-anything/#comments Sat, 09 Apr 2011 14:10:52 +0000 admin http://www.theonlinecreditscore.com/credit-score/is-there-a-site-to-get-a-free-credit-report-without-signing-up-for-anything/ Question by Kelli: is there a site to get a free credit report without signing up for anything? All the “free credit score” sites offer you a free score, but then want your credit card number for their “free trial membership”. Which seems legit, and they say you can cancel after the 7 or 10 day free trial before they charge your card. However I’m afraid that they may be underhanded and make it very hard for you to cancel your membership. Does anyone know of a site where I can get my credit score with no strings attached? Please let me know. Thanks!! Best answer:

Answer by CatDad
You will always have to pay for your credit score. Any firm offering a “free” credit score will want your credit card numbers for their monthly credit monitoring service. You can buy your FICO credit score for a one-time fee of $ 15.95 at: http://www.myfico.com http://www.equifax.com There is a free credit score estimation service at http://www.creditkarma.com – this is only an estimation and not the real FICO score. You can get a free credit REPORT (not score) at http://www.annualcreditreport.com – This is the real free site to get your credit report once a year without a credit card.

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]]> http://www.theonlinecreditscore.com/credit-score/is-there-a-site-to-get-a-free-credit-report-without-signing-up-for-anything/feed/ 5 wasnt there a law passed last yr that said i had a right to see my credit score for free? http://www.theonlinecreditscore.com/credit-score/wasnt-there-a-law-passed-last-yr-that-said-i-had-a-right-to-see-my-credit-score-for-free/ http://www.theonlinecreditscore.com/credit-score/wasnt-there-a-law-passed-last-yr-that-said-i-had-a-right-to-see-my-credit-score-for-free/#comments Fri, 08 Apr 2011 20:12:24 +0000 admin http://www.theonlinecreditscore.com/credit-score/wasnt-there-a-law-passed-last-yr-that-said-i-had-a-right-to-see-my-credit-score-for-free/ Question by keithflknr: wasnt there a law passed last yr that said i had a right to see my credit score for free? i always see “FREE CREDIT SCORE” ads on here but theres always a price Best answer:

Answer by adam s
I would be hardpressed to see how freecreditreport.com could not be free…

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]]> http://www.theonlinecreditscore.com/credit-score/wasnt-there-a-law-passed-last-yr-that-said-i-had-a-right-to-see-my-credit-score-for-free/feed/ 8 There are “credit check” for credit scores, but what is is called that the banks check? http://www.theonlinecreditscore.com/credit-score/there-are-credit-check-for-credit-scores-but-what-is-is-called-that-the-banks-check/ http://www.theonlinecreditscore.com/credit-score/there-are-credit-check-for-credit-scores-but-what-is-is-called-that-the-banks-check/#comments Sat, 29 Jan 2011 17:15:46 +0000 admin http://www.theonlinecreditscore.com/credit-score/there-are-credit-check-for-credit-scores-but-what-is-is-called-that-the-banks-check/ Question by forthefunofit: There are “credit check” for credit scores, but what is is called that the banks check? Meaning, I know some may check your credit score, but they also look for something else, I forget what’s its called though. Has to do with bounced checks and old bank accounts that may show up that were overdrawn from in the past that were never paid back, and so on. What is this called? It’s something like a “credit score” back ground check, but it’s not that and used by many banks that check new customers backgrounds before they open up an account for them at their bank. Best answer:

Answer by Skyhawk
ChexSystems. http://en.wikipedia.org/wiki/ChexSystems

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]]> http://www.theonlinecreditscore.com/credit-score/there-are-credit-check-for-credit-scores-but-what-is-is-called-that-the-banks-check/feed/ 1 where can i get a real “free credit report” is there realy such a site? http://www.theonlinecreditscore.com/credit-report/where-can-i-get-a-real-free-credit-report-is-there-realy-such-a-site/ http://www.theonlinecreditscore.com/credit-report/where-can-i-get-a-real-free-credit-report-is-there-realy-such-a-site/#comments Sun, 02 Jan 2011 14:18:30 +0000 admin http://www.theonlinecreditscore.com/credit-report/where-can-i-get-a-real-free-credit-report-is-there-realy-such-a-site/ Question by mister: where can i get a real “free credit report” is there realy such a site? Best answer:

Answer by Awakening Spirit
https://www.annualcreditreport.com/cra/index.jsp Everyone is entitled to 1 free report from each of the big 3, every year.

What do you think? Answer below!

]]> http://www.theonlinecreditscore.com/credit-report/where-can-i-get-a-real-free-credit-report-is-there-realy-such-a-site/feed/ 5 Is there an actual “free credit report” web site? http://www.theonlinecreditscore.com/credit-report/is-there-an-actual-free-credit-report-web-site/ http://www.theonlinecreditscore.com/credit-report/is-there-an-actual-free-credit-report-web-site/#comments Fri, 31 Dec 2010 17:11:13 +0000 admin http://www.theonlinecreditscore.com/credit-report/is-there-an-actual-free-credit-report-web-site/ Question by Peachy: Is there an actual “free credit report” web site? The whole reason I am trying to find out what my credit score is so that I can get a credit card and re-establish my credit….but every web site that I have been to that says its free needs a valid credit card. If I had a credit card I would just pay for one! Can anyone help? Best answer:

Answer by ThisBeatIsxSick
yepp :D http://www.freecreditreport.com/ haha the guy that sings it is on the homepage haha

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]]> http://www.theonlinecreditscore.com/credit-report/is-there-an-actual-free-credit-report-web-site/feed/ 7 Is there any “initial” credit score? http://www.theonlinecreditscore.com/credit-score/is-there-any-initial-credit-score/ http://www.theonlinecreditscore.com/credit-score/is-there-any-initial-credit-score/#comments Wed, 22 Dec 2010 17:10:38 +0000 admin http://www.theonlinecreditscore.com/credit-score/is-there-any-initial-credit-score/ Question by _maddog_: Is there any “initial” credit score? I am from Brazil and I am moving in to US next month to work (legally). What will be my “initial credit score”? Will I be able to lease a car without any problems? Best answer:

Answer by bdancer222
You will start out with no score. To have a score, you have to have credit history. You may have to get a secured credit card — you pay a deposit which is held as collateral for the line of credit. Use the card and pay it in full every month. In 6 months you’ll have a score — it won’t be very high. After a year, you can probably convert the secured account to a regular credit card or apply for a second credit card.

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]]> http://www.theonlinecreditscore.com/credit-score/is-there-any-initial-credit-score/feed/ 0 “How can a deployed soldier get there free credit report?”? http://www.theonlinecreditscore.com/credit-report/how-can-a-deployed-soldier-get-there-free-credit-report/ http://www.theonlinecreditscore.com/credit-report/how-can-a-deployed-soldier-get-there-free-credit-report/#comments Tue, 21 Dec 2010 17:11:56 +0000 admin http://www.theonlinecreditscore.com/credit-report/how-can-a-deployed-soldier-get-there-free-credit-report/ Question by littletaz36: “How can a deployed soldier get there free credit report?”? I am currently deployed to Iraq and when I try to access annualcreditreport.com it says that you can only access it from a US server or a server of one of its territories. Anyone know anything I can do? Or could someone talk to the help desk and see if they can resolve this? Best answer:

Answer by tumbleweed1954
Are you using a military computer? If it’s coming from a .mil server it should let you in.

What do you think? Answer below!

]]> http://www.theonlinecreditscore.com/credit-report/how-can-a-deployed-soldier-get-there-free-credit-report/feed/ 0 Is there a standard web icon for “credit score”? http://www.theonlinecreditscore.com/credit-score/is-there-a-standard-web-icon-for-credit-score/ http://www.theonlinecreditscore.com/credit-score/is-there-a-standard-web-icon-for-credit-score/#comments Fri, 17 Dec 2010 14:12:54 +0000 admin http://www.theonlinecreditscore.com/credit-score/is-there-a-standard-web-icon-for-credit-score/ Question by Eric: Is there a standard web icon for “credit score”? Can’t seem to find any standard across credit score sites…wondering if anybody has any thoughts. Best answer: Give your answer to this question below!

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