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Credit Rating Agencies/Services
Posted on 8/16/09 at 12:49 pm
Posted on 8/16/09 at 12:49 pm
Question for the Board: I want to figure out what my credit score is. Now I realize there are lots of different "free" sites and what not, but I don't mind paying a reasonable fee for the service as long as I get correct information.
Does anyone have any thoughts or recommendations? Should I contact the rating companies individually and directly?
What do apartments, energy companies, etc. do when they want to check your credit? Any help would be appreciated. Thanks!
Does anyone have any thoughts or recommendations? Should I contact the rating companies individually and directly?
What do apartments, energy companies, etc. do when they want to check your credit? Any help would be appreciated. Thanks!
Posted on 8/16/09 at 1:43 pm to 385 Tiger
MyFICO
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Search "MyFICO" coupon codes on Google.
Posted on 8/16/09 at 5:43 pm to Will Cover
Does MyFICO give you a rating from all of the agencies or is it some sort of aggregation?
Posted on 8/17/09 at 8:15 am to 385 Tiger
I use creditkarma.com which uses Transunion's data. It's free to use.
Posted on 8/17/09 at 1:11 pm to Guster
Posted on 8/17/09 at 8:04 pm to HappilyBlended
Thanks. Does anyone know what process/provider apartments and energy companies use when they check your credit?
Posted on 8/19/09 at 12:05 am to 385 Tiger
quote:
What do apartments, energy companies, etc. do when they want to check your credit?
Apartments look at an overall score. They first discount any items like medical collections. Your score plays a part in the risk of bad debt you pose to them. They want to know if you have had bad debt to other landlords, which usually means an automatic decline. They also want to know if you have a foreclosure. They look to see if you have paid your utility bills, as housing & utility bills are your primary bills. No pay could mean a decline for you. Also a decline would be alot of bad debt or collections on your record. If you have a little bit of bad credit, most apartments will require a higher deposit.
With utility companies, they are looking to see if you have skipped out on other utilities. They aren't looking to see how much your car note is or stuff like that. They just want to know you take care of your bills.
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