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Why isn't your credit score shown when you request a credit report and is there anyway to find your score without having to pay for it?
Wiki User
∙ 14y ago
Credit scores are calculations based on the information in your credit file. The score is derived from leased software. As such, there is no way for someone to obtain a credit score without cost. That cost is borne by the consumer or the lender, whichever one requests the score.
In the past, there was no way for consumers to know this important number. A few years ago, the Fair Isaac Company (FICO) starting making credit scores available to consumers for a nominal fee.
AnswerI accidentally came across one way to get my FICO score free. If you get a Providian credit card they report your new FICO score (from Trans Union) to you each month. It's a nice special feature and I can keep up with any changes constantly.
AnswerWashington Mutual also offers a free FICO Score if you have their credit card & you can view it online at any time.Yes you can get a free credit score though i can't remember the site. Just Google free credit score and a site will come upWiki User
∙ 14y ago
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How can one qualify for the cheapest mortgage rates?
Having a good credit score is important for getting cheap mortgage rates. One can request their own credit score and show it to potential lenders; this is superior to having lenders request one's credit score, which can affect the score.
Why is it important to have a good credit rating?
Good credit is important because credit checks are becoming increasingly more common - to ensure the reliability of investors/customers/employees. For example, it is nearly impossible to rent an apartment, acquire a credit card or loan, or request services from a utility company without having your credit checked.
What are the requirements of applying for a credit card?
There are many requirements to applying for a credit card. The biggest requirement is having a good credit score. Without a good credit score, one cannot get a credit card.
What sites offer free instant credit reports without having to use a credit card?
You can get a free credit report once a year from Annual Credit Report. There are other sites like Credit Karma that will give you your current credit report without having to use a credit card or signing up for a service. You will need to enter personal information to obtain your credit report so make sure that the site you are using protects your sensitive information.
What is your APR with no credit?
If you have no credit record, chances are that your APR on a loan will be higher than what would be charged to those who have stable credit ratings. The reason for this is because without any credit history, you could be considered "high risk" ... granted one cannot get credit history without having credit, but the credit determination is often black and white - you either fall into one category or the other - there are no gray areas when dealing with credit or credit history.
What to do with a civil summons that's not a credit card debt?
Get advice and attend the court or judgment will be given anyway without the judge having the benefit of knowing your circumstances.
How can one qualify for the cheapest mortgage rates?
Having a good credit score is important for getting cheap mortgage rates. One can request their own credit score and show it to potential lenders; this is superior to having lenders request one's credit score, which can affect the score.
Why is it important to have a good credit?
Good credit is important because credit checks are becoming increasingly more common - to ensure the reliability of investors/customers/employees. For example, it is nearly impossible to rent an apartment, acquire a credit card or loan, or request services from a utility company without having your credit checked.
Why is it important to have a good credit rating?
Good credit is important because credit checks are becoming increasingly more common - to ensure the reliability of investors/customers/employees. For example, it is nearly impossible to rent an apartment, acquire a credit card or loan, or request services from a utility company without having your credit checked.
If a debt is reflected on your credit report by a collection agency can the original creditor recall their collection allowing you to dispute the debt with the credit bureaus and have it removed?
YES, THIS COLLECTION ACCOUNT CAN BE DISPUTED; WHICH MEANS THAT AFTER THIS IS DISPUTED YOU CAN ALSO REQUEST FOR THIS ACCOUNT TO BE REMOVED FOR GOOD WITHOUT HAVING TO WAIT FOR THE SEVEN YEAR PERIOD. THIS WILL ALLOW YOU TO HAVE A CLEAN CREDIT HISTORY WHICH IN TURN INCREASE YOUR CREDIT RATING.
Where can you download free music without having to use a credit card?
imesh.com
How to get the CCV number on your credit card without having the card?
That's the point.
Where can you find a site with free music downloads for your ipod without having a credit card or credit card number?
mp3raid.com
What are the requirements of applying for a credit card?
There are many requirements to applying for a credit card. The biggest requirement is having a good credit score. Without a good credit score, one cannot get a credit card.
Can you take money out at the bank without having your card present?
In general, if you are trying to get money from a credit card, no, you will not be able to do so at your bank without having the card present.
What sites offer free instant credit reports without having to use a credit card?
You can get a free credit report once a year from Annual Credit Report. There are other sites like Credit Karma that will give you your current credit report without having to use a credit card or signing up for a service. You will need to enter personal information to obtain your credit report so make sure that the site you are using protects your sensitive information.
Is there a site that you can JUST watch a movies for free without downloading or having a credit card?
vuse
