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Old 10-24-2013, 01:12 PM
 
414 posts, read 750,410 times
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The annualcreditreport.com also has an option after each report to pay for your credit score. Was not a whole lot, but worth it to see where you stand. Each agency also uses different ways to calculate your score, so they can vary slightly.
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Old 10-24-2013, 01:13 PM
 
414 posts, read 750,410 times
Reputation: 285
Quote:
Originally Posted by ar1458 View Post
Should I do annualcreditreport.com ? Is it that important and also I found a Amex credit card on my credit check which I never signed up for but show zero balance ? Who do I called to clear/close it ?
It will tell you how to remove errors from the reports when you get them.
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Old 10-24-2013, 01:13 PM
 
Location: Long Island
9,645 posts, read 21,152,654 times
Reputation: 5425
Quote:
Originally Posted by ar1458 View Post
I was looking to check my credit score, I have never did this before and was wondering which is a safe secure site to use ? if there is any fee involved ?
Is there a particular reason you're checking your score?
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Old 10-24-2013, 01:15 PM
 
Location: Long Island
9,645 posts, read 21,152,654 times
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Quote:
Originally Posted by veryangry View Post
The annualcreditreport.com also has an option after each report to pay for your credit score. Was not a whole lot, but worth it to see where you stand. Each agency also uses different ways to calculate your score, so they can vary slightly.
Yes, they do vary. Not only because they use different algorithms, but also because not every merchant reports to all three companies.
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Old 10-24-2013, 01:16 PM
 
Location: bellmore
376 posts, read 943,664 times
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Quote:
Originally Posted by Elke Mariotti View Post
Is there a particular reason you're checking your score?
Looking by a second home next year and wanted to make sure all is good now
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Old 10-24-2013, 01:28 PM
 
Location: Long Island
9,645 posts, read 21,152,654 times
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Quote:
Originally Posted by ar1458 View Post
Looking by a second home next year and wanted to make sure all is good now

Good idea!
Check the report(s) and look for possible errors. Also, do not close any accounts you've had for a long time. 15% of your credit score is impacted by how long you've had a credit history.
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Old 10-24-2013, 01:28 PM
 
Location: bellmore
376 posts, read 943,664 times
Reputation: 159
What I did not see on my report was PayPal ?
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Old 10-24-2013, 01:30 PM
 
Location: Long Island
9,645 posts, read 21,152,654 times
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Quote:
Originally Posted by ar1458 View Post
What I did not see on my report was PayPal ?
Do they extend you credit? Only merchants that extend credit would report your repayment habit.
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Old 10-24-2013, 01:31 PM
 
Location: Ossining, NY
559 posts, read 937,150 times
Reputation: 289
If you do use MyFico, make sure to search around the Internet for coupons first. That can usually give you a good break on getting your scores.
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Old 10-24-2013, 01:35 PM
 
Location: Long Island
9,645 posts, read 21,152,654 times
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Quote:
Originally Posted by ANM1982 View Post
If you do use MyFico, make sure to search around the Internet for coupons first. That can usually give you a good break on getting your scores.

Great suggestion! Here's a link to the current coupons (can be a little confusing...)
myFICO Coupon Codes (5 available) - UltimateCoupons
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