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Posted by abby on May 16, 2008, 3:22 pm
Hi,
I just took advantage of a Massachusetts law that allows a free
credit report once a year. Our report is clean and accurate but
they do not include the credit score, FICO. The FICO is $7.95
from Equifax. My only concern is that we haven't had a loan since
1995 which I paid off in a few months. We are planning on buying
a winter home when my wife retires in four years. With a clean
history is the FICO useful now? Ever?
Thanks,
Gary
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Posted by joetaxpayer on May 16, 2008, 5:45 pm
abby wrote:
> Hi,
>
> I just took advantage of a Massachusetts law that allows a free credit
> report once a year. Our report is clean and accurate but they do not
> include the credit score, FICO. The FICO is $7.95 from Equifax. My
> only concern is that we haven't had a loan since 1995 which I paid off
> in a few months. We are planning on buying a winter home when my wife
> retires in four years. With a clean history is the FICO useful now? Ever?
>
> Thanks,
> Gary
Credit report is good, but does not tell the whole story. One can have
no late payments, but have so little in the way of accounts that their
score isn't as high as they'd think. I recently wrote that WAMU offers
free access to one's FICO score on an ongoing basis for any of their
card holders. And the card has no fee. If getting a new card is not
attractive to you, just pay the $8, and get a peek at your score. If
it's not all it should be, you have 4 years to work on it.
Joe
www.blog.joetaxpayer.com
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Posted by bucky3 on May 17, 2008, 7:19 am
> I recently wrote that WAMU offers
> free access to one's FICO score on an ongoing basis for any of their
> card holders.
What do you mean by "card"? Credit card? ATM? or just any checking/
savings account?
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Posted by joetaxpayer on May 17, 2008, 9:33 am
bucky3 wrote:
>
>>I recently wrote that WAMU offers
>>free access to one's FICO score on an ongoing basis for any of their
>>card holders.
>
>
> What do you mean by "card"? Credit card? ATM? or just any checking/
> savings account?
Sorry I wasn't clear. A credit card. Don't know the APR (as I never
carry a balance) but there is no annual fee.
Joe
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to keep the conversations on-topic for financial planning. Other posting
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Posted by Default User on May 17, 2008, 5:34 pm
joetaxpayer wrote:
>
>
> bucky3 wrote:
>
> >
> > > I recently wrote that WAMU offers
> > > free access to one's FICO score on an ongoing basis for any of
> > > their card holders.
> >
> >
> > What do you mean by "card"? Credit card? ATM? or just any checking/
> > savings account?
>
> Sorry I wasn't clear. A credit card. Don't know the APR (as I never
> carry a balance) but there is no annual fee.
I had a Providian Visa card, and they were later purchased by WaMu. So
I can access the free FICO score (TransUnion) from the web site. As
with credit reports, you have three FICO scores.
Brian
--
If televison's a babysitter, the Internet is a drunk librarian who
won't shut up.
-- Dorothy Gambrell (http://catandgirl.com)
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Misc.invest.financial-plan is a moderated newsgroup where Moderators strive
to keep the conversations on-topic for financial planning. Other posting
guidelines include a request for brevity and another for trimming posts to
which we respond. For all of the other tips and suggestions, see "FROM THE
MODERATORS: Posting to misc.invest.financial-plan", a weekly post now on the
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