New FreeCreditReport.com Commercial

Saturday, July 11, 2009 1:24 AM
Jeff's avatar

And as my father the banker said on that blog post some time ago, the FICO score is usually higher, so who cares what you think. :)


Jeff - Editor - CoasterBuzz.com - My Blog - Silly Nonsense

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Saturday, July 11, 2009 6:57 AM
ridemcoaster's avatar

RatherGoodBear said:

Be assured that every time you receive one of those "pre-approved" credit card offers in the mail, the card issuer checked your report beforehand. That's how they figure out what rate and amount of credit to offer you.

Oh trust me.. I know.. Because of my notification (and the details of who is doing what on my report), I can almost do the Swami routine with the envelope to my head and guess who it is from.

Opt out.. Sheesh.. How about going the Opt in route.


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Saturday, July 11, 2009 11:23 AM
Carrie M.'s avatar

Jeff said:
And as my father the banker said on that blog post some time ago, the FICO score is usually higher, so who cares what you think. :)

That's not quite what he said. But regardless, I can't believe you just used the "My Dad said..." retort. ;)


"If passion drives you, let reason hold the reins." --- Benjamin Franklin

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Saturday, July 11, 2009 11:38 AM
Jeff's avatar

It's a silly argument regardless, because at the end of the day, the only one that counts is the one from the agency a lender uses.


Jeff - Editor - CoasterBuzz.com - My Blog - Silly Nonsense

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Saturday, July 11, 2009 1:44 PM
Carrie M.'s avatar

Right. Which most often than not is the FICO score, not the proprietary scores from the agencies. Here's an article on the topic that I think sums it up well.

An excerpt:

When you request a free credit report, each bureau will offer to calculate a credit score for $6.95. Experian and TransUnion use proprietary formulas; Equifax uses FICO scores. Pass up these offers because the information is not as comprehensive as you'll get elsewhere, and lenders are less likely to look at these scores.


"If passion drives you, let reason hold the reins." --- Benjamin Franklin

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Saturday, July 11, 2009 1:46 PM
rollergator's avatar

http://www.creditbuzz.com

;)

Last edited by rollergator, Saturday, July 11, 2009 1:50 PM
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Saturday, July 11, 2009 2:32 PM

I avoid all the credit hassles by doing most of my business (whenever possible) in cash.


Coaster Junkie from NH
I drive in & out of Boston, so I ride coasters to relax!

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Saturday, July 11, 2009 3:35 PM
Lord Gonchar's avatar

rollergator said:
http://www.creditbuzz.com

Exactly! The most poignant link ever posted on these forums. :)


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Saturday, July 11, 2009 8:16 PM
LostKause's avatar

I'm too smart to click the link provided by Gator and endorsed by Gonch.

Cash, almost always, for me too, unless I am using my debt card for online purchases or travel expenses. I don't need a credit card. if I want something, I save up for it. I already own my own home, and own my own used vehicle. If I can't afford something, I don't need it.

I don't even know my credit score, but I'm sure it not perfect.


edit - added and extra "o"

Last edited by LostKause, Sunday, July 12, 2009 10:43 AM
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Saturday, July 11, 2009 9:08 PM
ridemcoaster's avatar

That link was easy for me.. I just moused over and saw something that showed .jpg.. I knew it couldn't be good for me :)


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Saturday, July 11, 2009 11:51 PM
Jeff's avatar

I hate cash. I avoid it at all costs.


Jeff - Editor - CoasterBuzz.com - My Blog - Silly Nonsense

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Saturday, July 11, 2009 11:53 PM

The key is to get a no fee credit card and pay the balance every month, its a win-win for you, you have the convenience of plastic and improve your credit score every month.

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Sunday, July 12, 2009 12:23 AM
Lord Gonchar's avatar

Using your card and paying it doesn't improve your score, per se.

Charging and paying it off doesn't hurt, but it's not boosting your score any more than not using it in the first place or running with a low percentage of the balance in use (<30%) would.


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Friday, October 29, 2010 7:41 PM
sws's avatar

A zombie thread brought back from the dead just in time for Halloween. Sweet. Quick, shoot it in the head. Make sure to double tap it.
Thanks for playing anderio.

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Friday, October 29, 2010 9:20 PM
Vater's avatar

I wants also its provide reports present of year. Can make possible?

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Friday, October 29, 2010 10:55 PM

zombies speek bad inglish...


My author website: mgrantroberts.com

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Friday, October 29, 2010 11:01 PM
sws's avatar

Oh nuts, it looks like someone just took care of anderio.

And I was just starting to like him.

Last edited by sws, Friday, October 29, 2010 11:09 PM
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Friday, October 29, 2010 11:13 PM
Jeff's avatar

Seriously, do you guys think it helps when you respond to spammers?


Jeff - Editor - CoasterBuzz.com - My Blog - Silly Nonsense

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Friday, October 29, 2010 11:22 PM
Tekwardo's avatar

No. That still doesn't make it any less fun.


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Don't cry because it's over, smile because it happened.

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Friday, October 29, 2010 11:28 PM
Vater's avatar

Seriously? Of course not. And I especially look mentally challenged now that the spammer's post is gone. :)

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