LendingClub and Prosper.com will “grade” borrowers based on Experian data. WaMu credit cards include TransUnion-based monthly FICO scores (although it probably is not worth getting a new card just for that perk). E-Loan Mortgage offers a one-time score based on Experian data
But the best one seems to be Credit Karma, which offers a free daily estimate of your credit score based on Experian credit data. This is the one for obsessive credit trackers.
Five Ways To Get a Free Credit Score (No Trials) | My Money Blog (via Lifehacker)
To find a consumer or bankruptcy lawyer, use the Caveat Emptor Consumer & Bankruptcy Lawyer Directory.
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I was just browsing – but such great content here. Reading this post strikes me of one very common omission when managing your credit checks.
It is correctly put that everyone should know their own credit history and manage it prudently with an even better managed lifestyle – credit cards, mortgages, family life, etc.
But I’m always horrified when advice goes the way of using credit services and authorising numerous agencies or people to have access to your credit scores. Here’s what always happens to your info/credit score:
1) numerous credit checks will always cost you credit points – e.g. 10 people/agencies checking up on you over a short period of time could cost you 10 x 5 points = 50 points deducted from your score.
Imagine shopping for a mortgage and then finding out that your credit score will cost you 2% more for your mortgage! Simply use one mortgage specialist who does only one credit check and shops for the best deal for you.
2) Giving your sensitive personal information to say a car salesman (who will do a credit check and hurt your credit score even more and whereever else that your information may end up); or other credit agencies, be very certain your personal information is NOT 100% secure! There are a number of situations that your information can become available to special queries – this is a HUGE privacy concern.
3) You’ll start to concern the lenders and simply reduce your bargaining power for better rates and terms.
Just remember that you can do the checks yourself and do it free of charge without credit score penalty. Actually, a good bank officer or a broker can actually help you reliably and yours and their integrity remains intact.
I hope this helps someone as I have had similar personal disasters and helping others overcome it takes so much time, effort and a lot of nail biting.