Why You Need Your FICO Scores, Not Your “Free Credit Score”

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…

Why I Love FreeScoresAndMore – My Honest Review

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…

Top 5 Ways to Get a 100% Free Credit Score – No Credit Card Needed

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…

How to get 3 Free Credit Reports – No Credit Card Needed

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…

The Basics of Credit – What it is, why it’s so important

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…