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Did you know that a 685 credit score could easily cost you $1,953 MORE on your next car loan? Ouch, that hurts! Let’s take a closer look… Imagine this: You’re in the market for a new car. You did your research, and have decided that a brand new Toyota Camry SE is what you want….
If your score needs some work, there are several surefire ways to give it a boost. Depending on what’s bringing it down, it’s very possible to see 50-100 point improvement in a very short period of time. In fact, the lower your credit score, the more room for improvement you have, and the bigger jumps…
Did you know that 90% of top lenders use your FICO® Scores to determine loan interest rates, terms & approvals? In fact, I’ve applied and been approved for 3 different mortgages, each time my FICO Score is what they looked at to determine my credit worthiness. I’ve also applied and been approved for around 10…
Did you know that 90% of top lenders use your FICO® Scores to determine loan interest rates, terms & approvals? Yet most “free credit score” services (Credit Karma, Credit Sesame, etc.) provide what’s called a VantageScore, not your real FICO Score. So why are you checking a different type of credit score than what your…
Deal Alert: For a limited time just for GotCredit visitors: FreeScoresAndMore is offering a 30 day free trial, and 25% off ($14.99/mo, instead of the normal $19.99/mo). No coupon required, get the deal now before it expires by clicking any FreeScoresAndMore link on this page! Full Disclosure: I have an affiliate relationship with FreeScoresAndMore and will receive a small commission (at…
Once upon a time, my credit score was a “Fair” 666. 8 months later, it was an “Excellent” 777. How did I do it? The fact is, it’s not usually a “quick fix”, but it can definitely be done! First I realized I needed access to 100% of my credit data. Including 3 FICO scores, all…
I recently had a question from one of our loyal visitors, I thought it was a great Q&A to share and explore a bit, here it is: “My credit score is 695. Is that considered a good number for a credit score? If not, how do I improve it?” -John B. from Texas. Short Answer:…
Tired of those so-called “free credit score” offers – the ones that require you to enter your credit card details in order to view your credit score? Want a truly free credit score without having to sign-up for a free trial of some over-priced credit monitoring service? Me too, and I know of several great…
Need a free credit report, but don’t want to to enter your credit card information, or sign-up for one of those “free trials” to get it? There is only one source for truly free credit reports, no trials or catches, ever… AnnualCreditReport.com – All 3 Credit Reports Once Per Year AnnualCreditReport.com is the official, federally…
Residents of all 50 of the united states are now eligible to view all 3 free credit reports once per year, at a government mandated central location – AnnualCreditReport.com. But do you know exactly how it works, and what you actually get for free? Is your free credit score included? How to avoid getting fooled by…
Credit Basics – What exactly is Credit? Credit, in financial terms, is defined as: “A means of borrowing money from a person or company and returning it at a later date, usually with accrued interest charged on top of the initial sum borrowed.” “A privilege granted for the purpose of extending time to make payment…