4
votes
2answers
183 views

Do I have to pay interest to increase my credit score?

I am going to ask this oft repeated question one more time because: I have heard many of my friends say that the best way to increase your credit score is to take a loan ( at an interest) and then ...
5
votes
3answers
871 views

How can I get my incompetent utility company to remove late payments on my credit report?

My FICO score dropped 100 points after my incompetent utility company posted false late payments. It had been 780 prior to the late payments. I have a legitimate case but they are so bureaucratic and ...
2
votes
1answer
317 views

Why is my credit score now being ranked on a scale of 501 to 990?

Over the years, I've run several credit reports on myself inching my way closer to 750 then 800 on a FICO scale. Then, using TrueCredit to analyze my report, as I always have, I suddenly notice I'm ...
3
votes
3answers
114 views

How can I find a good credit score monitoring service that includes alerts when the credit score changes?

I recently found the below image in my notes, though I don't know the source so it is outdated. How can I find a good credit monitoring service at a reasonable cost? I need a feature that will send ...
28
votes
6answers
753 views

How can one get their FICO/credit scores for free? (really free)

TV and the web are filled with ads promising to give you a free copy of your credit report. Unfortunately, instead of being wholly free, they are actually free trials, which means: You only get ...
5
votes
2answers
116 views

What is a FICO score and how is it related to a credit report?

What is a FICO score and how is it related to a credit report?