Which Credit Bureau Is Best
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April 16th, 2012 at 1:47:43 PM
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My wife got her credit score from her insurance co and it
was 830 and she has been bragging for days. So I went
to FreeCreditReport.com and got mine. I chose the pay
$1 and see your report immediately. MISTAKE! When you
do that, they enroll you in a pay by the month program
without telling you. They give you 7 days to cancel before
it starts. The only way I found it out was I Googled them
and saw the warning. It took me 5min on the phone with
some guy in Pakistan to get it canceled. He kept trying
the hard sell and I kept repeating cancel over and over
till he finally gave up.
Anyway, my score was 775. Why my wife's is higher, I
have no idea. Anybody have experience with all 3 credit
bureaus? Mine was from Experian, which I read was the
best. They all 3 have the same credit score, apparently,
but some have different info than others.
I know, I know, you're allowed one free report a year
by the gov't, but that doesn't include your score.
was 830 and she has been bragging for days. So I went
to FreeCreditReport.com and got mine. I chose the pay
$1 and see your report immediately. MISTAKE! When you
do that, they enroll you in a pay by the month program
without telling you. They give you 7 days to cancel before
it starts. The only way I found it out was I Googled them
and saw the warning. It took me 5min on the phone with
some guy in Pakistan to get it canceled. He kept trying
the hard sell and I kept repeating cancel over and over
till he finally gave up.
Anyway, my score was 775. Why my wife's is higher, I
have no idea. Anybody have experience with all 3 credit
bureaus? Mine was from Experian, which I read was the
best. They all 3 have the same credit score, apparently,
but some have different info than others.
I know, I know, you're allowed one free report a year
by the gov't, but that doesn't include your score.
"It's not called gambling if the math is on your side."
April 16th, 2012 at 2:01:42 PM
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Isn't it like anything above 750 doesn't matter?
I think mine is like 300, LOL!
I think mine is like 300, LOL!
Gambling calls to me...like this ~> http://www.youtube.com/watch?v=4Nap37mNSmQ
April 16th, 2012 at 2:08:39 PM
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It is different in different parts of the country. In the South, Equifax reigns supreme. In the Northeast, Trans Union and Experian are about the same.
Also, there are different models which give different scores. You can get mortgage weighted, revolving weighted, auto weighted, whatever fits your business profile.
Also, there are different models which give different scores. You can get mortgage weighted, revolving weighted, auto weighted, whatever fits your business profile.
A falling knife has no handle.
April 16th, 2012 at 2:20:03 PM
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Quote: EvenBobMy wife got her credit score from her insurance co and it
was 830 and she has been bragging for days.
Anyway, my score was 775. Why my wife's is higher, I
have no idea.
Is some of your household debt in your name only? With those scores, it's clear that you and your wife both have excellent payment histories. I'd bet that she has slightly less financial stress (lower debt, for consumers) than you do. Alternatively, have you applied for new credit recently? If you did and your wife didn't, that would differentiate your scores by 5-20 points per application.
Quote: EvenBob
Anybody have experience with all 3 credit
bureaus? Mine was from Experian, which I read was the
best. They all 3 have the same credit score, apparently,
but some have different info than others.
I like Experian's user interface, and their products are very good. Equifax is a little bland, but I find them to be the most accurate of the 3. Trans Union is crap. I don't know if it's their fault exactly - it seems like some issuers report only occasionally to Trans Union, but they're markedly less accurate than the others.
"So as the clock ticked and the day passed, opportunity met preparation, and luck happened." - Maurice Clarett
April 16th, 2012 at 2:37:55 PM
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The FICO score is the gold standard (Equifax Corp). Anything else is just a FAKE-O score, and is pretty worthless.
"I don't have a gambling problem. I have a financial problem."
April 16th, 2012 at 2:40:06 PM
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annualcreditreport.com is the source for a FREE credit report from each of the 3 credit bureaus. Equifax, Experian, and TransUnion. It's really free- no tricks, or gotcha's. But the credit report is not the credit score- you have to pay for that.
"I don't have a gambling problem. I have a financial problem."
April 16th, 2012 at 2:41:35 PM
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Quote: DanMahownyThe FICO score is the gold standard (Equifax Corp). Anything else is just a FAKE-O score, and is pretty worthless.
I think Equifax just jettisoned FICO in favor of their own proprietary score (quite similar to Experian's version, from what I've seen). At least, there was a very dramatic change on their website from last quarter to this quarter. I'm not exactly sure where that leaves Fair Isaac and their FICO score.
"So as the clock ticked and the day passed, opportunity met preparation, and luck happened." - Maurice Clarett
April 16th, 2012 at 2:50:58 PM
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From the fine print on freecreditreport.com:
Sounds like you just wasted a dollar ...
Quote: fine print
Calculated on the PLUS Score model, your Experian Credit Score indicates your relative credit risk level for educational purposes and is not the score used by lenders
Sounds like you just wasted a dollar ...
"When two people always agree one of them is unnecessary"
April 16th, 2012 at 2:51:07 PM
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Quote: rdw4potusI think Equifax just jettisoned FICO in favor of their own proprietary score (quite similar to Experian's version, from what I've seen). At least, there was a very dramatic change on their website from last quarter to this quarter. I'm not exactly sure where that leaves Fair Isaac and their FICO score.
Yeah, you are right about each creating their own proprietary score. But so far the lending industry is all but ignoring these "other scores" and continue to rely on the FICO score. At least that's what my former colleagues tell me.
MyFICO.com is where you would buy it. I think I used to get it along with the Equifax credit report if I paid an extra $10 or so.
"I don't have a gambling problem. I have a financial problem."
April 16th, 2012 at 2:57:34 PM
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Quote: weaselman
Sounds like you just wasted a dollar ...
Hardly. You have to pay for the score, and you can't
get the score seen by lenders and insurance companies.
Its not wildly different from the score Experian gives you.
They're not going to give you an 800 and tell lenders
its really 650.
"It's not called gambling if the math is on your side."
April 16th, 2012 at 3:00:06 PM
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Quote: DanMahownyThe FICO score is the gold standard (Equifax Corp). Anything else is just a FAKE-O score, and is pretty worthless.
They use VantageScore, and I read all 3 are using it now.
"It's not called gambling if the math is on your side."
April 16th, 2012 at 3:07:07 PM
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Quote: DanMahownyYeah, you are right about each creating their own proprietary score. But so far the lending industry is all but ignoring these "other scores" and continue to rely on the FICO score. At least that's what my former colleagues tell me.
MyFICO.com is where you would buy it. I think I used to get it along with the Equifax credit report if I paid an extra $10 or so.
Yeah, I was used to getting the FICO score in an Equifax "report & score" package. Then the last time I did it, I got this completely different non-FICO score. it seems to be scaled lower, which took me aback at first. There were no changes on my credit, but my score dropped 25 points. Then I noticed that the "floor" was 250 and not 300. I assume that's at least most of the reason for the shift.
"So as the clock ticked and the day passed, opportunity met preparation, and luck happened." - Maurice Clarett
April 16th, 2012 at 3:13:03 PM
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Quote: EvenBobHardly. You have to pay for the score, and you can't
get the score seen by lenders and insurance companies.
Sure, you can. myfico.com will give it to you for free, if you enroll into some plan, that you can then cancel within 10 days to not get billed. Or, if you prefer to pay, it is about $20 per score (they won't give you Experian score, only TransUnion and Equifax, but chances are, they are really close if not equal, so it does not matter, especially if you look at the Experian's report and don't see major differences with the other two).
Also, whenever somebody does a credit check on you, they get the score, and have to tell you what it is if you ask (it used to be only required if you get denied the credit, but, I think, has changed recently ... could be wrong on this one though).
Quote:Its not wildly different from the score Experian gives you.
They're not going to give you an 800 and tell lenders its really 650.
Yeah, they absolutely are actually. Their scores use different models to compute, and, more importantly are calculated on a different scale. FICO scores are normalized to be between 300 and 850, the PLUS scores are 330 to 830, and the normalization algorithm is completely different. Literal comparison of one to the other is impossible for that reason.
It would be like comparing temperature in Fahrenheit to Celsius without knowing the conversion formula. Is 100 degrees a lot?
There are also other models, that are scaled way differently, and can go as high as 900 or 950 (if what your wife got is on that scale, it would convert to a much lower FICO).
"When two people always agree one of them is unnecessary"
April 16th, 2012 at 3:16:59 PM
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Reading about this on Wiki just now, I had no idea
what a voodoo business calculating credit risk was.
Its full of secret formulas and data mining, nobody
does it the same way. Apparently there's no tried
and true method to determine if a person is a good
credit risk.
Its all gambling, isn't it. Someone giving you credit
is taking a risk, making a bet that you won't be a
problem. The two biggest factors they use is, do
you make payments on time, and whats your credit
to debt ratio. In other words, if you have a total of
$10K in available credit, and you have $2500
of it in debts, you have a 25% ratio, which is very
good. This seems to count for about 70% of the
credit score, that and making payments on time.
what a voodoo business calculating credit risk was.
Its full of secret formulas and data mining, nobody
does it the same way. Apparently there's no tried
and true method to determine if a person is a good
credit risk.
Its all gambling, isn't it. Someone giving you credit
is taking a risk, making a bet that you won't be a
problem. The two biggest factors they use is, do
you make payments on time, and whats your credit
to debt ratio. In other words, if you have a total of
$10K in available credit, and you have $2500
of it in debts, you have a 25% ratio, which is very
good. This seems to count for about 70% of the
credit score, that and making payments on time.
"It's not called gambling if the math is on your side."
April 16th, 2012 at 3:23:41 PM
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Quote: weaselmanYeah, they absolutely are actually. .
No, they absolutely aren't, actually. You won't have an
830 on one and a score of 550 on another, and not have the
two match pretty closely when accounting for how they
arrived at the score. It would be useless and ridiculous
to have somebody at both ends of different scores, it
would render the whole system unusable.
"It's not called gambling if the math is on your side."
April 16th, 2012 at 3:29:51 PM
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Quote: EvenBobNo, they absolutely aren't, actually. You won't have an
830 on one and a score of 550 on another, and not have the
two match pretty closely when accounting for how they
arrived at the score. It would be useless and ridiculous
to have somebody at both ends of different scores, it
would render the whole system unusable.
I think you're missing the point: 550 on a scale of 0-600 is exactly the same as 830 on a scale of 280-880. So, yes, you really will have different scores just because of the scaling.
"So as the clock ticked and the day passed, opportunity met preparation, and luck happened." - Maurice Clarett
April 16th, 2012 at 3:33:34 PM
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Quote: EvenBobNo, they absolutely aren't, actually. You won't have an
830 on one and a score of 550 on another, and not have the
two match pretty closely when accounting for how they
arrived at the score.
Ah, but you can't "account for how they arrived at it", nobody will ever tell you that, not even Fair Isaac. That's the problem.
Quote:It would be useless and ridiculous
And it indeed is both those things. These "proprietary scores" they sell you are completely meaningless (that's exactly the reason they are not used by lenders btw).
Quote:it would render the whole system unusable.
And yes, it is mostly unusable (to you - lenders use, FICO scores, remember?). The only "use" of it I can think of is those monitoring products they are selling. If you are paranoid about your credit score, you can subscribe to one of those, and get an alert in case the value suddenly dips significantly.
Quote: rdw4potusI think you're missing the point: 550 on a scale of 0-600 is exactly the same as 830 on a scale of 280-880. So, yes, you really will have different scores just because of the scaling.
It is actually worse then that. You are assuming that both scales are linear, but they are usually not, so even knowing the ranges of two scores, you can't properly convert one to the other.
"When two people always agree one of them is unnecessary"
April 16th, 2012 at 3:36:51 PM
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I applied to a local credit union to refinance my house and they gladly sent me all three scores and the full credit reports so that I could review them. It didn't cost me a dime. I'm proud to say that I'm 799, 802 and 803.
Someday, joor goin' to see the name of Googie Gomez in lights and joor goin' to say to joorself, "Was that her?" and then joor goin' to answer to joorself, "That was her!" But you know somethin' mister? I was always her yuss nobody knows it! - Googie Gomez
April 16th, 2012 at 5:02:07 PM
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Quote: rdw4potusI think you're missing the point: 550 on a scale of 0-600 is exactly the same as 830 on a scale of 280-880. So, yes, you really will have different scores just because of the scaling.
THATS WHAT I SAID!!!! If you adjust for how they arrive
at the numbers, they're almost identical. They have to be
or the services would be useless. You can't go into a car
lot and get approved, then go to the one next door and
get refused because they say you have bad credit. They
all use the same info.
The competition seems to be extreme, they all want to
be the best voodoo predictor. Nothing is a guarantee,
I had an elderly friend recently who's had golden credit
for 50 years and he just flat out stopped paying on his
cards because he can't afford it after his wife died. $40K
in debt eaten by the CC companies. He's judgement proof,
on SS and got a reverse mortgage on his house.
I see Weaselman's name below this post. I finally blocked
him, I warned somebody else 2 weeks ago to ignore him,
all he does is argue. Who needs it.
"It's not called gambling if the math is on your side."
April 16th, 2012 at 5:26:31 PM
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Just how important is your credit rating in the US?
In Mexico we have something called "El Buró de Credito," which also rates people's credit. Once when I applied to a bank for a credit card, I was turned down due to my credit score, according to the bank. But, curiously, I've never been approved for any credit card I requested. Every single one I have or ever had was offered to me, either by a bank, a store, or a credit card broker (these are people who offer credit cards, usually from banks, and get a comission for every card approved).
Funny thing once, long ago, I forgot to pay one card that month. it happens. Since the late fees, penalties and interest would be the same whether I paid at once or the next month, I decided to wait for the next month. Well, about two weeks after missing the payment, I get a letter from the bank with polite threates about staying current and damaging my credit score. I ignored it. The next day I got another letter from the bank. This one said "due to the excellent handling of your credit card, we've decided to raise your credit limit."
About, oh, ten years ago, I requested a car loan through a dealership. It was approved promptly.
In Mexico we have something called "El Buró de Credito," which also rates people's credit. Once when I applied to a bank for a credit card, I was turned down due to my credit score, according to the bank. But, curiously, I've never been approved for any credit card I requested. Every single one I have or ever had was offered to me, either by a bank, a store, or a credit card broker (these are people who offer credit cards, usually from banks, and get a comission for every card approved).
Funny thing once, long ago, I forgot to pay one card that month. it happens. Since the late fees, penalties and interest would be the same whether I paid at once or the next month, I decided to wait for the next month. Well, about two weeks after missing the payment, I get a letter from the bank with polite threates about staying current and damaging my credit score. I ignored it. The next day I got another letter from the bank. This one said "due to the excellent handling of your credit card, we've decided to raise your credit limit."
About, oh, ten years ago, I requested a car loan through a dealership. It was approved promptly.
Donald Trump is a fucking criminal
April 16th, 2012 at 5:51:19 PM
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Quote: NareedJust how important is your credit rating in the US?
If by "rating" you mean the FICO score, it used to be very important before the crash. Nowadays, its significance has been reduced a lot (they started to actually read your credit report).Credit history in general still matters a great deal though.
The idea is not so much to turn down customers with bad credit entirely (it has to really, really suck to get you declined, and/or be very short), but to offer better rates (and lower costs) to those with good ratings.
So, most of the time, it is not very easy for a person to tell how he was affected by his credit history without a thorough analysis.You could happily drive off a car dealership with a 5% loan without ever knowing that if only your score was a couple of points higher, you could qualify for 4%. Or your insurance rate could be 20% lower if you had a better rating ...
"When two people always agree one of them is unnecessary"
April 16th, 2012 at 7:48:01 PM
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Quote: NareedJust how important is your credit rating in the US?
.
If you apply for a job they can't refuse to hire
you because of your race, religion, age, sex,
weight, etc. But they can discriminate against
you because you have a poor credit rating
instead. The same for renting a house or apartment.
Or many other things. Its a legal catchall for
discriminating against people you don't like
and getting around the discrimination laws.
"It's not called gambling if the math is on your side."
April 16th, 2012 at 9:15:58 PM
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Quote: weaselmanIf by "rating" you mean the FICO score, it used to be very important before the crash. Nowadays, its significance has been reduced a lot (they started to actually read your credit report).
Not true, at all. Your credit score is just as important now as it was 15 years ago. Walk into the dealership with a 589 score, you'll get that car loan, at 18% or more... or you'll leave without a car. Your choice.
Quote: weaselmanCredit history in general still matters a great deal though.
The idea is not so much to turn down customers with bad credit entirely (it has to really, really suck to get you declined, and/or be very short), but to offer better rates (and lower costs) to those with good ratings.
So, most of the time, it is not very easy for a person to tell how he was affected by his credit history without a thorough analysis.You could happily drive off a car dealership with a 5% loan without ever knowing that if only your score was a couple of points higher, you could qualify for 4%. Or your insurance rate could be 20% lower if you had a better rating ...
This is what I do for a living. The difference between 741 and 541 is not the difference between 4% and 5%; it's the difference between 1.99% and 18%. No one cares WHY your score is trashed. No one wants to hear a story. It all boils down to "The dog ate my homework." Score, $$ down, term, prior high credit, income, income to debt ratio and payment to income ratio. That is 99.9% of everything that goes into a credit decision. And the rate is set by the score, and ONLY by the score. Lenders have to stick to that one for several reasons: 1) all customers have to be treated equally ratewise, 2) they get audited and the paper has to perform as predicted, 3) They often sell the paper and it has to be what they say it is.
Every now and then, maybe once a month, I'll be able to talk someone at a local bank or credit union into buying a deal where a couple things are just outside of parameters. Otherwise, it's off to Santander, Drive, Westlake, Onyx, Americredit, etc, and it falls where it falls.
A falling knife has no handle.
April 17th, 2012 at 3:39:57 AM
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Quote: MoscaNot true, at all. Your credit score is just as important now as it was 15 years ago. Walk into the dealership with a 589 score, you'll get that car loan, at 18% or more... or you'll leave without a car. Your choice.
I did say, that it still is important. Before the credit crisis though, it was much more important than this. The loan terms at many large lending institutions were determined by a computer, by only looking at your score, and nothing else in your credit report.
Quote:This is what I do for a living. The difference between 741 and 541 is not the difference between 4% and 5%; it's the difference between 1.99% and 18%.
Yes. But that's not what I am talking about. My example is more like 810 vs. 740.
Quote:No one cares WHY your score is trashed. No one wants to hear a story.
Ten years ago or so, this was completely true. Now ... it depends. On what kind of loan you are applying to, on how much the bank is interested in writing it, and how low your score really is. If it is under 600, it, probably, still does not matter why it is low. Above that ... it depends. Like I said, there are live people actually looking at your report to make a decision now.
Quote:And the rate is set by the score, and ONLY by the score.
This is simply not true. Maybe, there are some lenders that still do that, most aren't.
Also, if you consider other products beyond loans. that depend on the credit history, like car insurance for example, some companies are not including credit score into their calculation at all any more. Same story with apartment rentals. There used to be strict policies requiring a rating above certain threshold, now the approach at most places is a lot more creative than that. The industry is changing, and it is a god thing. Fair Isaac itself has warned several times in the past that the credit scores were being treated by institutions too religiously.
"When two people always agree one of them is unnecessary"
April 17th, 2012 at 7:01:30 AM
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Thanks for the replies, Weasleman and Mosca. But you'll have to go nitpicking on your own ;)
The credit bureau here is relatively new. Lately it also scores on missing tax payments, at the request (yeah, "request") of the federal government. Many people are afraid of it, since they get ever less polite threats from the banks saying "If you don't pay RIGTH NOW, your credit score will be ruined and no one will ever give you any credit as long as you live, your spouse will leave you for a younger model and your dog will get hit by a car."
Oh, another funny credit card story. I ahd a checking account and a credit card with a bank for years. I requested an upgrade toa gold card several times, and was declined each time. Then I started having problems accesing their web banking portal. Then the statements stopped coming. So I clsoed down the ccount and canceled my card.
Well, about ten days later I get an email offer for a gold card, with twice the credit limit I wanted. So I went to a different branch (one I knew to have little traffic), and there I'm told "just let me ahve your credit card and we'll upgrade it." I explained the card was cencelled and the account clsoed. Well, no matter. They issued me a free savings account (meaning there's no minimum balance required and there are no fees charged at all), and the gold card arrived three days later.
To quote the legendary St. Vincent of Lombardy "What the hell's going on out here?"
The credit bureau here is relatively new. Lately it also scores on missing tax payments, at the request (yeah, "request") of the federal government. Many people are afraid of it, since they get ever less polite threats from the banks saying "If you don't pay RIGTH NOW, your credit score will be ruined and no one will ever give you any credit as long as you live, your spouse will leave you for a younger model and your dog will get hit by a car."
Oh, another funny credit card story. I ahd a checking account and a credit card with a bank for years. I requested an upgrade toa gold card several times, and was declined each time. Then I started having problems accesing their web banking portal. Then the statements stopped coming. So I clsoed down the ccount and canceled my card.
Well, about ten days later I get an email offer for a gold card, with twice the credit limit I wanted. So I went to a different branch (one I knew to have little traffic), and there I'm told "just let me ahve your credit card and we'll upgrade it." I explained the card was cencelled and the account clsoed. Well, no matter. They issued me a free savings account (meaning there's no minimum balance required and there are no fees charged at all), and the gold card arrived three days later.
To quote the legendary St. Vincent of Lombardy "What the hell's going on out here?"
Donald Trump is a fucking criminal
April 17th, 2012 at 7:32:39 AM
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Quote: NareedThanks for the replies, Weasleman and Mosca. But you'll have to go nitpicking on your own ;)
I'm not going to argue with weaselman. Something tells me that if we sat down face to face and compared notes, we'd probably agree on a lot. I don't have any interest in winning or losing an internet argument.
A falling knife has no handle.
April 17th, 2012 at 8:41:48 AM
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Quote: NareedTo quote the legendary St. Vincent of Lombardy "What the hell's going on out here?"
Just like with the casinos, the marketing department that sends out the offers does not talk much (if ever) with the lending department that processes applications.
I once received a "preapproved" offer from American Express for one of their cards. I never had American Express, and never understood why one would want to have it, but, the offer had lots of perks, like free miles, and capped-fee balance transfer, so I thought I would bite, and sent the letter back, saying I accept.
A week later, a response from them comes in the mail, saying that they are happy to greet me as a new customer, and all that, just need a little formality before they can issue a card ... I have to send them a copy of my last year tax return, three months worth of pay stubs, and three recent bank statements.
Yeah, right ...
"When two people always agree one of them is unnecessary"
April 17th, 2012 at 1:05:15 PM
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Quote: MoscaI'm not going to argue with weaselman.
Its just not worth it. If you say its red, he'll
say its blue just to keep the argument going.
"It's not called gambling if the math is on your side."
April 17th, 2012 at 1:40:20 PM
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Quote: weaselmanJust like with the casinos, the marketing department that sends out the offers does not talk much (if ever) with the lending department that processes applications.
I once received a "preapproved" offer from American Express for one of their cards.
The last two card offers I got, both from banks, required only that I 1) have an account with them and 2) present a valid ID.
Granted they took a few days getting me the cards, so they had time for a credit check, but it would seem they knew I qualified.
I could check if other people with accounts in the same banks also received such offers, but I don't like to pry.
Anyway, banks in Mexico are very different from their US counterparts. For one thing, almost all banks here, except for a few small ones, are national in scope. They have branch offices all over the country. Checks from one bank clear any other bank for deposit within one business day, with few exceptions. And most banks have branch offices that open on Saturday.
Donald Trump is a fucking criminal
April 17th, 2012 at 2:14:29 PM
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Quote: NareedThe last two card offers I got, both from banks, required only that I 1) have an account with them and 2) present a valid ID.
Yeah, I know. The very reason I told that Amex story was that it was way "out there".
Normally around here, you don't even need either of the two conditions you mentioned (good banks for savings/checking accounts usually have crappy credit cards and vice versa, as for an id ... I don't know, they never ask for it, and everything is usually done by mail anyway).
"When two people always agree one of them is unnecessary"
April 17th, 2012 at 4:29:57 PM
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I recently checked my credit just for the hell of it. I joined mint.com to track my finances (great site BTW, unless you're paranoid) and they want to know your credit score to give you better "advice" (aka sponsored offers).
Anyway I went through FreeCreditScore.com (Experian) and TrueCredit.com (TransUnion). They were both the same deal as Bob described, you sign up and if you don't cancel, you'll get charged a monthly fee for their "services." I went through the same run-around avoiding the hard sell before they would actually cancel. Interestingly I didn't actually have to pay anything, not even $1, for the report and score, it may have been a referral deal through Mint.
My Experian score was 770 and when I saw the TransUnion score at 843 I was like "hot dog!" Then I did some research and realized the top-end of that score was 990 or something.
Whatever, it's good enough for me. Hopefully I'll be buying a house in 2 or 3 years, but until then I have no use for it.
Anyway I went through FreeCreditScore.com (Experian) and TrueCredit.com (TransUnion). They were both the same deal as Bob described, you sign up and if you don't cancel, you'll get charged a monthly fee for their "services." I went through the same run-around avoiding the hard sell before they would actually cancel. Interestingly I didn't actually have to pay anything, not even $1, for the report and score, it may have been a referral deal through Mint.
My Experian score was 770 and when I saw the TransUnion score at 843 I was like "hot dog!" Then I did some research and realized the top-end of that score was 990 or something.
Whatever, it's good enough for me. Hopefully I'll be buying a house in 2 or 3 years, but until then I have no use for it.
"So drink gamble eat f***, because one day you will be dust." -ontariodealer
April 17th, 2012 at 4:44:38 PM
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Quote: AcesAndEightsI went through the same run-around avoiding the hard sell before they would actually cancel.
Just constantly interrupt them and say 'cancel'. It works
very well. When they get 2-3 words out just shout 'CANCEL'
into the phone. It just feels good..
I don't want to be too mean to the guy, I'm sure he supports
14 relatives and a goat on the $4 an hour he makes in whatever
craphole country he lives in, and this will be the best job he ever
has. But its still fun..
"It's not called gambling if the math is on your side."
