Experian Credit Score: How to get your Experian Credit Score

Experian Credit Score is one of the many scoring models used by businesses in lending money to customers. The Experian credit score is used to evaluate a persons creditworthiness. Your credit score is an indicator of your creditworthiness. The Experian Credit Score is solely based on an Experian Credit Score model and it differs in some ways from other scoring models such as Equifax, TransUnion or FICO scoring model. Although each of these companies use most of the same evaluating parameters such as persons length of credit history, type of credit, revolving account, payment history, etc.

The above stated factors are available in your credit report, lenders and creditors use credit report information to calculate your credit score to get an insight to your creditworthiness. The score evaluation tells them how risky you pose to them , if they do decide to give you credit. The higher credit score you have, the chances of getting good credit at lower interest rate are high. With higher credit score you pose low risk to lenders. Let's first understand what is a Credit Score. 

What is a Experian Credit Score

Now we know why credit score is important and for what purpose it is used by lenders and businesses. The next thing to know is what is the scoring range and at each level of scoring range what it means to a consumer. The credit score range is from 300 to 850 (no-credit to excellent credit).

The Experian Credit Score is based on a proprietary Experian Credit Scoring model and is not the same as scoring model used by other credit bureaus.

This three digit credit number has become an important tool for lenders for credit analysis and for consumers it holds a personal report card. Even though each of three credit company use FICO mathematical scoring model and yet there scores differ from each other. This is due to additional checks and balances are applied to scoring model. You will always see some difference in few points between credit score from three  credit bureaus.

How is Experian Credit Score Calculated

The Experian credit score is calculated based on many factors that provide information on a consumer file. The factors which are used for mathematical calculations are length of credit history, type of credit accounts, Balance on accounts, available credit, payment history, any negative comments on consumer file and how many inquires are there on consumer file. Each of these factors is assigned a numerical value, and then weighted based on how prominently they affect your credit worthiness. More details information on credit score calculation is given below in Credit score table.

How am I responsible for my Credit Score

The credit score you are awarded by credit bureaus is based on your credit actions. How you take credit, how you pay and how you manage your credit. Any of these actions on negative or positive side impact your score and bring your score up or down. You can improve credit score at every level even when you are in good, bad or excellent credit score range. Of course building credit score at low score is multi-step process and time consuming but eventually with meticulous planning you will be able to fix your credit score. Read more on 'How to get your Experian Credit Score' and what factors impact your credit score calculation.

Important Credit Score Questions

Credit Score Questions	Credit Score Answers
What is a Credit Score	A numerical three digit number derived from Credit scoring model based on various factors by using credit report of a consumer.
What is a Credit Score Range	The credit score range of a Credit score is between 300 points to 850 points.
Excellent Credit Score	Credit Score from 720 to 850 - This is the range where everyone's credit score should be to avail low interest loans, good mortgage loan, premium credit cards etc.
Good Credit Score	Credit Sore from 679 to 719 - Although it keeps you out from premium deals but still good to attract lenders for good credit card offers and mortgage loans on reasonable loan rates.
Average Credit Score	Credit Score from 620 to 679 -  It gets harder when you are financing from private lenders, still you may get few deals in this range. Although creditors have designed lending programs for each of the score range and they differ on terms and conditions and the interest they carry.
Bad Credit Score	Credit Score from  up to 579 - If your credit score is below 579, that is not a good news. The financing options become narrow and the ones, which are available come with very high interest rates and penalties. This is the time to religiously look for credit repair help and rebuild your credit score.
No Credit Score	Your consumer file is not opened at credit bureaus. Mostly in the case of children and students.
Experian Credit Bureau	Experian (formerly TRW) Address: P.O. Box 2104 City: Allen, TX 75013-2104 Experian Web Address Phone Number: (888) 397-3742
FICO	The Fair Issac company introduced FICO score in the year 1989. FICO score is used by banks, lenders and business for granting loans and credit to consumers.
Structure of FICO Score	Payment History: 35% : This is the major factor, which impacts your credit score. The Payment history covers information related to many factors Good Factors Payment history without any interruption Payments on multiple account Payment types Bad Factors Late payments Defaults Judgments Settlements Liens Bankruptcies Debt on accounts: 30% : This is about how much and what types of debt balance you carry. The type of debt, balance limits, mode of payments and the amount being paid one ach of these account. Length of Credit history: 15% :This is about how long is your credit history, the scoring model also looks at the accounts you have and how old they are. Inquires: 10% This is about the credit request you make with lenders and the decisions you get from lenders. The request you make at lenders for credit and in turn they make inquiry on your credit history or to check your credit score at credit bureaus is considered as hard inquiry and impacts your credit score.
Credit Scoring Factors	Type of credit accounts you have Number of accounts you have Available credit Balance on your credit accounts Length of your credit history length of payment history Note: Each of these factors carry a numerical number based on scoring evaluation and is used and weighted on credit risk index to evaluate consumers creditworthiness.

How can I check my Experian Credit Score

The checking your credit score on Experian credit website is easy. You can check individual Experian credit score and credit report on Experian official website by enrolling and paying around $20 a month.  The Experian free credit score and report is only for $1, when you sign up for monthly subscription. The trial period is for seven days and thereafter $21.95 is monthly fee for accessing your credit score and Experian credit report. The online access to Experian also comes with other features such as fraud alert, identity theft protection, credit report monitoring etc. The $1 free option is good when you just want to check your credit report and score and are not interested in continuing to a monthly subscription.



Please note the price and the product structure explained in this post may change in future, for more latest pricing, products and  how to get your Experian Credit Score, please visit official Experian website.

TransUnion Credit Score: How to get your TransUnion Credit Score

TransUnion Credit Score is one of the many scoring models used by businesses in lending money to customers. The TransUnion credit score is used to evaluate a persons creditworthiness. Your credit score is an indicator of your creditworthiness. The Transunion Credit Score is solely based on an TransUnion Credit Score model and it differs in some ways from other scoring models such as Transunion, Experian or FICO scoring model. Although each of these companies use most of the same evaluating parameters such as persons length of credit history, type of credit, revolving account, payment history, etc.

The above stated factors are available in your credit report, lenders and creditors use credit report information to calculate your credit score to get an insight to your creditworthiness. The score evaluation tells them how risky you pose to them , if they do decide to give you credit. The higher credit score you have, the chances of getting good credit at lower interest rate are high. With higher credit score you pose low risk to lenders. Let's first understand what is a Credit Score. 

What is a TransUnion Credit Score

Now we know why credit score is important and for what purpose it is used by lenders and businesses. The next thing to know is what is the scoring range and at each level of scoring range what it means to a consumer. The credit score range is from 300 to 850 (no-credit to excellent credit).

The TransUnion Credit Score is based on a proprietary TransUnion Credit Scoring model and is not the same as scoring model used by other credit bureaus.

This three digit credit number has become an important tool for lenders for credit analysis and for consumers it holds a personal report card. Even though each of three credit company use FICO mathematical scoring model and yet there scores differ from each other. This is due to additional checks and balances are applied to scoring model. You will always see some difference in few points between credit score from three  credit bureaus.

How is TransUnion Credit Score Calculated

The TransUnion credit score is calculated based on many factors that provide information on a consumer file. The factors which are used for mathematical calculations are length of credit history, type of credit accounts, Balance on accounts, available credit, payment history, any negative comments on consumer file and how many inquires are there on consumer file. Each of these factors is assigned a numerical value, and then weighted based on how prominently they affect your credit worthiness. More details information on credit score calculation is given below in Credit score table.

How am I responsible for my Credit Score

The credit score you are awarded by credit bureaus is based on your credit actions. How you take credit, how you pay and how you manage your credit. Any of these actions on negative or positive side impact your score and bring your score up or down. You can improve credit score at every level even when you are in good, bad or excellent credit score range. Of course building credit score at low score is multi-step process and time consuming but eventually with meticulous planning you will be able to fix your credit score. Read more on 'How to get your TransUnion Credit Score' and what factors impact your credit score calculation.

Important Credit Score Questions

Credit Score Questions	Credit Score Answers
What is a Credit Score	A numerical three digit number derived from Credit scoring model based on various factors by using credit report of a consumer.
What is a Credit Score Range	The credit score range of a Credit score is between 300 points to 850 points.
Excellent Credit Score	Credit Score from 720 to 850 - This is the range where everyone's credit score should be to avail low interest loans, good mortgage loan, premium credit cards etc.
Good Credit Score	Credit Sore from 679 to 719 - Although it keeps you out from premium deals but still good to attract lenders for good credit card offers and mortgage loans on reasonable loan rates.
Average Credit Score	Credit Score from 620 to 679 -  It gets harder when you are financing from private lenders, still you may get few deals in this range. Although creditors have designed lending programs for each of the score range and they differ on terms and conditions and the interest they carry.
Bad Credit Score	Credit Score from  up to 579 - If your credit score is below 579, that is not a good news. The financing options become narrow and the ones, which are available come with very high interest rates and penalties. This is the time to religiously look for credit repair help and rebuild your credit score.
No Credit Score	Your consumer file is not opened at credit bureaus. Mostly in the case of children and students.
TransUnion Credit Bureau	Trans Union - Consumer Disclosure Center Address: P.O. Box 1000 City: Chester, PA 19022 Trans Union Web Address Contact Number: (800) 916-8800 or (800) 888-4213
FICO	The Fair Issac company introduced FICO score in the year 1989. FICO score is used by banks, lenders and business for granting loans and credit to consumers.
Structure of FICO Score	Payment History: 35% : This is the major factor, which impacts your credit score. The Payment history covers information related to many factors Good Factors Payment history without any interruption Payments on multiple account Payment types Bad Factors Late payments Defaults Judgments Settlements Liens Bankruptcies Debt on accounts: 30% : This is about how much and what types of debt balance you carry. The type of debt, balance limits, mode of payments and the amount being paid one ach of these account. Length of Credit history: 15% :This is about how long is your credit history, the scoring model also looks at the accounts you have and how old they are. Inquires: 10% This is about the credit request you make with lenders and the decisions you get from lenders. The request you make at lenders for credit and in turn they make inquiry on your credit history or to check your credit score at credit bureaus is considered as hard inquiry and impacts your credit score.
Credit Scoring Factors	Type of credit accounts you have Number of accounts you have Available credit Balance on your credit accounts Length of your credit history length of payment history Note: Each of these factors carry a numerical number based on scoring evaluation and is used and weighted on credit risk index to evaluate consumers creditworthiness.

How can I check my TransUnion Credit Score

The checking your credit score on Transunion credit website is easy. You can check individual Transunion credit score or 3-in-1 credit score bundled in one package. The TransUnion free credit score and report is only for $1, when you sign up for monthly subscription. The trial period is for seven days and thereafter $17.99 is monthly fee for accessing your credit score and TransUnion credit report. The online access to TransUnion also comes with other features such as fraud alert, identity theft protection, credit report monitoring etc.

Please note the price and the product structure explained in this post may change in future, for more latest pricing, products and  how to get your TransUnion Credit Score, please visit official TransUnion website.

Equifax Credit Score: How to get your Equifax Credit Score

Equifax Credit Score is one of the many scoring models used by businesses. It is used to evaluate a persons creditworthiness. Your credit score is an indicator of your creditworthiness. The Equifax Credit Score is solely based on an Equifax Credit Score model and it differs in some ways from other scoring models such as Transunion, Experian or FICO scoring model. Although each of these companies use most of the same evaluating parameters such as persons length of credit history, type of credit, revolving account, payment history, etc.

All this information in available in your credit report, lenders and creditors use credit report information to calculate your credit score to get an insight to your creditworthiness. The score evaluation tells them how risky you pose to them , if they do decide to give you credit. The higher credit score you have, the chances of getting good credit at lower interest rate are high. With higher credit score you pose low risk to lenders. Let's first understand what is a Credit Score. 

What is a Equifax Credit Score

Now we know why credit score is important and for what purpose it is used by lenders and businesses. The next thing to know is what is the scoring range and at each level of scoring range what it means to a consumer. The credit score range is from 300 to 850 (no-credit to excellent credit).

The Equifax Credit Score is based on a proprietary Equifax Credit Scoring model and is not the same as scoring model used by other credit bureaus.

This three digit credit number has become an important tool for lenders for credit analysis and for consumers it holds a personal report card. Even though each of three credit company use FICO mathematical scoring model and yet there scores differ from each other. This is due to additional checks and balances are applied to scoring model. You will always see some difference in few points between credit score from other credit bureaus.

How is Equifax Credit Score Calculated

The Equifax credit score is calculated based on many factors that provide information on a consumer file. The factors which are used for mathematical calculations are length of credit history, type of credit accounts, Balance on accounts, available credit, payment history, any negative comments on consumer file and how many inquires are there on consumer file. Each of these factors is assigned a numerical value, and then weighted based on how prominently they affect your credit worthiness. More details information on credit score calculation is given below in Credit score table.

How am I responsible for my Credit Score

The credit score you are awarded by credit bureaus is based on your credit actions. How you take credit, how you pay and how you manage your credit. Any of these actions on negative or positive side impact your score and bring your score up or down. You can improve credit score at every level even when you are in good or excellent credit score range. Of course building credit score at low score is multi-step process and time consuming but eventually with meticulous planning you will fix your credit score. Read more on 'How to get your Equifax Credit Score' and what factors impact your credit score calculation.

Important Credit Score Questions

Credit Score Questions	Credit Score Answers
What is a Credit Score	A numerical three digit number derived from Credit scoring model based on various factors by using credit report of a consumer.
What is a Credit Score Range	The credit score range of a Credit score is between 300 points to 850 points.
Excellent Credit Score	Credit Score from 720 to 850 - This is the range where everyone's credit score should be to avail low interest loans, good mortgage loan, premium credit cards etc.
Good Credit Score	Credit Sore from 679 to 719 - Although it keeps you out from premium deals but still good to attract lenders for good credit card offers and mortgage loans on reasonable loan rates.
Average Credit Score	Credit Score from 620 to 679 -  It gets harder when you are financing from private lenders, still you may get few deals in this range. Although creditors have designed lending programs for each of the score range and they differ on terms and conditions and the interest they carry.
Bad Credit Score	Credit Score from  up to 579 - If your credit score is below 579, that is not a good news. The financing options become narrow and the ones, which are available come with very high interest rates and penalties. This is the time to religiously look for credit repair help and rebuild your credit score.
No Credit Score	Your consumer file is not opened at credit bureaus. Mostly in the case of children and students.
Equifax Credit Bureau	Equifax Contact Information Address: P.O. Box 105873 City: Atlanta, GA 30348 Equifax Web Address Phone Number: (800) 685-1111
FICO	The Fair Issac company introduced FICO score in the year 1989. FICO score is used by banks, lenders and business for granting loans and credit to consumers.
Structure of FICO Score	Payment History: 35% : This is the major factor, which impacts your credit score. The Payment history covers information related to many factors Good Factors Payment history without any interruption Payments on multiple account Payment types Bad Factors Late payments Defaults Judgments Settlements Liens Bankruptcies Debt on accounts: 30% : This is about how much and what types of debt balance you carry. The type of debt, balance limits, mode of payments and the amount being paid one ach of these account. Length of Credit history: 15% :This is about how long is your credit history, the scoring model also looks at the accounts you have and how old they are. Inquires: 10% This is about the credit request you make with lenders and the decisions you get from lenders. The request you make at lenders for credit and in turn they make inquiry on your credit history or to check your credit score at credit bureaus is considered as hard inquiry and impacts your credit score.
Credit Scoring Factors	Type of credit accounts you have Number of accounts you have Available credit Balance on your credit accounts Length of your credit history length of payment history Note: Each of these factors carry a numerical number based on scoring evaluation and is used and weighted on credit risk index to evaluate consumers creditworthiness.

How can I check my Equifax Credit Score

The checking your credit score on Equifax credit website is easy. You can check individual Equifax credit score or 3-in-1 credit score bundled in one package. The Equifax credit report and credit score is for $15.99 where as 3-in-1 bundled credit score and reports is for $39.99.

Please note the price and the product structure explained in this post may change in future, for more latest pricing, products and  how to get your Equifax Credit Score, please visit official Equifax website.

How to get an Equifax Credit Report and Credit Score 

The Equifax credit agency is one of three credit reporting agencies providing credit reports to consumers and selling credit information/credit services to lenders. By Federal law each credit agency is mandated to provide free credit report to consumers once a year. Based on federal law , the three credit bureaus (Transunion, Experian and Equifax) created one company Annual Credit Report to provide free credit reports to consumers.


In case your goal is to get free credit report and you haven't used free credit report option from AnnualCreditReport.com website, please visit Annual Credit Report.

Equifax Credit Report Services and Products

The Equifax company is helping millions of customers with credit report, monitoring and identity theft services. Each service and product comes with different price model. Here is the brief note on each of these services.

• Equifax Credit Report & Score:- service comes with credit report and credit score. The current deal is that get Equifax 3-Bureau Credit Scores for $4.95, and the trial period runs for 30 days, thereafter you will be charged $17.95 per month. Customers have choice to cancel at any time during the trial period.
  
• Equifax credit scores and profiles and 3-bureau credit scores based on the information from all 3 bureaus
• Comprehensive credit file monitoring and automated alerts of key changes to your Equifax, Experian, and TransUnion credit reports
• Financial alerts on up to 2 of your credit card and bank accounts
• One-stop assistance for canceling and reissuing credit/debit cards, Driver's licenses, Social Security cards, Insurance cards, passports and travelers' checks when a wallet is lost or stolen.
• Interactive Score Estimator™ enables you to simulate how future financial decisions might impact your score
• Privacy Monitoring and Protection- reveals information that exists about you on the Internet
• Access to customer service 7 days a week
• Up to $25,000 Identity Theft Insurance
• For more information and details on each of these Equifax product and way to get  Equifax Credit Report and Credit Score, Visit Equifax.

How to cancel Equifax credit report and membership account

Equifax lets customers call on their customer service number ,which is active 7/24. Customers can make call to below mentioned number and initiate account cancellation process. Once account is cancelled, Equifax customer care department will send an email with account cancellation confirmation. Customers can login to their account and see confirmation of Equifax product cancellation.

Cancellation process for Equifax membership and services

• US residents: 866-243-8181, 7 days a week between the hours of 8 am - 3 am EST
• Canada residents: 866-820-8911, 7 days a week between the hours of 8 am - 12 am EST.
• Once your product has been cancelled, you will receive a confirmation. You can also log into your Equifax Account and view your Order History, which will reflect the order as "Cancelled."

PLEASE note time to time webpage content and phone number changes.




Visit Equifax and read more on cancelling Equifax services or membership account.

How to get a TransUnion Credit Report and Credit Score 

The TransUnion credit agency is one of three credit reporting agencies providing credit reports to consumers and selling credit information/credit services to lenders. By Federal law each credit agency is mandated to provide free credit report to consumers once a year. Based on federal law , the three credit bureaus (Transunion, Experian and Equifax) created one company Annual Credit Report to provide free credit reports to consumers.


In case your goal is to get free credit report and you haven't used free credit report option from AnnualCreditReport.com website, please visit Annual Credit Report.

TransUnion Credit Report Services and Products

The TransUnion company is helping millions of customers with credit report, monitoring and identity theft services. Each service and product comes with different price model. Here is the brief note on each of these services.

• TransUnion Credit Report & Score:- service comes with credit report and credit score. The current deal is that you get free TransUnion Credit Score & $1 Credit Report are available as part of a 7-day trial subscription-based credit monitoring service. Customers have choice to cancel at any time during the trial period. At the end of 7-day trial, consumer will be billed at $17.95 per month. The catch is if you don't cancel your account within trial period you will end up paying $17.99 per month.
  Under this plan customers get unlimited updates to credit report and score. Instant email alerts and fraud alerts, identity theft protection and identity theft insurance up to $1,000,000.


• True Identity Protection:- Unfortunately there too many Internet hackers out there preying on innocent people to steal their identity and use it for various means. There are many gray market where such information is soled. Transunion provides TrueIDentity service to conduct internet watch to ensure person's identity is safe , no body is opening new accounts using person's SSN, loss wallet prevention, insurance on identity theft and many m ore benefits. The cost is $1 for first seven days as trial period  and thereafter $9.99 per month.


• Service provided are
• Monitor & Protect Personal Information, Credit Cards and Bank Accounts

• 3-Bureau Credit Report Monitoring

• Alerts of TU Credit Inquiries

• Lock and Unlock Your TU Credit Report

• Monitor Court Records & Payday Loans Matching Your Identity

• Get alerts any time your postal address changes

• Identify & Monitor Sex Offenders in Your Area

• Identity Restoration Specialists

• Lost Wallet Restoration

• Your TransUnion Credit Score & Report

• $1 Million ID Theft Insurance (Certain restriction apply)
• For more information and details on each of these TransUunion product and way to get  TransUnion Credit Report and Credit Score, Visit TransUnion.

How to cancel TransUnion credit report

Sounds like cancelling TransUnion services or membership is a multistep process. There is no easy option to cancel the account. You have to login to your account, click to "Help" tab on top of the page on right side. This will present the next page. On next page click on FAQ tab and select payment option. This will take you to a page with many links to helpful topics. One of them is "how can I cancel my account". Click on this link, will take you directly to cancelation page.

The information you get is 800 number to call and cancel your account, the good thing is TransUnion also provides a link to terminate the account electronically.

Cancellation process for Experian membership and services

• Login to your account
• Click on Help tab - placed at right corner
• Click on FAQ tab.
• Select Payment option
• Click on 'how can I cancel account" link
• You have two options, either calling 800 number to cancel account, or cancel electronically by clicking one more link cancel now.

PLEASE note time to time webpage content and phone number changes.




Visit TransUnion and read more on cancelling Transunion services or membership account.

How to get an Experian credit report and Credit Score 

The Experian credit agency is one of three credit reporting agencies providing credit reports to consumers and selling credit information to lenders. By Federal law each credit agency is mandated to provide free credit report to consumers once a year. Based on federal law , the three credit bureaus (Transunion, Experian and Equifax) created one company Annual Credit Report to provide free credit reports to consumers.


In case your goal is to get free credit report and you haven't used free credit report option from AnnualCreditReport.com website, please visit Annual Credit Report.

Experian Credit Report Services and Products

The Experian is helping consumers with many credit report, monitoring and tracking services. Each service and product comes with different price model. Here is the brief note on each of these services.

• Experian Credit Tracker:- service comes with credit report and credit score. The current deal is $1 for credit report and credit score, the catch is if account is not canceled within 7 days, then you will be billed for $14.95 each month that you continue membership. The additional services are instant online access to account, credit report and credit score. Access to information on credit risk , what factors push credit score up and down. In case you find errors in your report, you have access to dispute center to get those errors fixed.


• Identity Theft Protection:- Unfortunately there too many Internet hackers out there preying on innocent people to steal their identity and use it for various means. Experian provides three credit bureau monitoring, ID scanning and fraud resolution apart from getting you free credit report and credit score. The cost is $15.99 per month. The additional benefits are daily Internet Scanning for unauthorized use of your SSN, debit and credit cards, "Early warning Surveillance Alerts", "Dedicated Identity Theft Resolution Agents", Lost/Stolen wallet protection that helps you replace your cards fast and more.


• 3 Credit Bureau Reports and Credit Scores:- Access to three bureau credit reports and credit score form each of the three credit bureaus in one place. Information on Credit risk and factors which push up and down credit score. Access to online dispute center for error resolution. The cost is $39.99 for all three credit reports and credit scores.


• For more information and details on each of these Experian product and way to get an Experian Credit Report and Credit Score, Visit Experian.

How to cancel Experian credit report

Sounds like cancelling Experian services or membership is two step process. You call first Experian, inform them you are cancelling either membership for of any of their service or cancelling account all together. Experian will verify your request and once your request is confirmed Experience will notify you when account or membership will be finally cancelled. I guess they are using double factor confirmation process to ensure no one is cancelling your services on your behalf.

Cancellation process for Experian membership and services

• If you're a member of Triple Advantage® or Experian Credit TrackerSM and have questions about your subscription, you can call us at 1 877 284 7942 or email us at support@experiandirect.com.


• If you're a member of ProtectMyID® and have questions about your subscription, you can call us at 1 866 960 6943 or email us at Support@ProtectMyID.com


• Visit Experian and read more on cancelling Experian product and services.

CreditRepair.com Review - Credit Repair services

CreditRepair.com - Credit Repair Services

Honestly, looking at the ads, emails and mailers I receive for improving credit score or for credit repair services, I often smell scam out of it. There ads so good to be true, 100 points increase in 30 days, surety about improving credit score from bad to good in just few weeks.

I recommend visiting FTC webpage for educating yourself on what are the signs of a Credit Repair Scam.



However to be fair about the companies which are in credit repair business and are transparent about there work and promise they make to users, I plan to review few companies.

In my series of reviewing credit repair companies , today, I will be reviewing CreditRepair.com company for Credit Repair services. My review process will be based upon site design, site navigation, transparency on product services, BBB rating and details, on site customer reviews, complaints and comments on internet about their services.

CreditRepair.com Credit Repair Services - Company Review

www.creditrepair.com- Company history, Product Services, Faqs, Contact Information, and Leadership involved
Type	Description
Origin (Founded)	Not known
Industry	Consumer Report Repair
Company status	Private
Address	600 Stewart St STE 1100,Seattle, WA 98101-1269
Phone	1-855-255-0263
CreditRepair.com Services	Credit Repair and consumer services Credit Repair items removed and worked by CreditRepair.com Collections --- Late Payments --- Charge Offs Liens --- Bankruptcies --- Repossessions Foreclosures --- Judgments
Leadership	Not available
How it Works	Three step Check, Challenge and Remove process - CreditRepair.com
Credit Repair Plans	$89to start
Plan Cancellation	You can cancel plan at any time with no obligation
Accessing Credit Reports	In order to access credit reports, CreditRepair.com requires you to provide them three credit bureau reports.
Service breakup	Step 1: Account Setup:- Company claims they instantly pull credit reports and let you identify the errors you want to correct. This sets the game plan. Step 2: Challenge:- Working with credit companies and information credit bureaus is the next step. Step 3: Change:- Monitor your changes. Note: I would like creditrepair.com to put more content on website to let users know process in details.
Navigation	The site navigation is good.
Secure site	I reviewed there internet site address, which starts with https, hence effort has been made to make this site as secure.
Account setup	$89 to start with.
Better Business Bureau(BBB) rating	A+
BBB Review	48 complaints closed with BBB in last 3 years | 34 closed in last 12 months  Read more on BBB
Internet Reviews	An old review from 2012  Better Business Bureau review

 CreditRepair.com Better Business Bureau Ratings

One of the newest kid on block. CreditRepair.com is in credit repair business form last few years providing credit repair services to hundreds of customers in America.  The firm definitely is legitimate business and has good BBB rating of A+.  After reviewing BBB web page for creditrepair.com, The current rating is "A+" and there are few customers reviews and complaints. Most of those  issues reported have been resolved.  The credit repair is slow process and to remove each wrong information or fixed errors in each credit bureau cycle it takes 30 days or more.

More on CreditRepair.com

It is a legitimate business and have reasonable good feedback from customers about fixing credit report. However I recommended reading their 'how it works' page and understanding  how there process works.


I would like to add CreditRepair.com customer reviews on my blog, if you have used Creditrepair.com Credit Repair services , please do send me your experience or comment on my blog.


Read more on CreditRepair.com - Credit Repair services

The Lexington Law Company Review - Credit Report Repair

Lexington Law Credit Repair Services

Honestly, looking at the ads, emails and mailers I receive for improving credit score or for credit repair services, I often smell scam out of it. There ads so good to be true, 100 points increase in 30 days, surety about improving credit score from bad to good in just few weeks.


However to be fair about the companies which are in credit repair business and are transparent about there work and promise they make to users, I plan to review few companies.


In my series of reviewing credit repair companies , today, I will be reviewing Lexington Law company for Credit repair services.


My review process will be based upon site design, site navigation, transparency on product services, BBB rating and details, on site customer reviews, complaints and comments on internet about their services.

Lexington Law Credit Repair Services - Company Review

www.lexingtonlaw.com//- Company history, Product Services, Faqs, Contact Information, and Leadership involved
Type	Description
Origin (Founded)	Year  1991
Industry	Consumer law Practice, Consumer Report Repair
Company status	Private
Headquarters(Address)	360 N Cutler Dr, North Salt Lake, UT 84054-2955  State wise address:
Phone	(800) 341-8441
Fax	(801) 297-2511
Lexington Services	Consumer Rights --- Child Custody --- General Litigation & Services Bankruptcy --- Divorce --- Criminal Defense Property & Water Rights --- DUI Defense --- Pro Bono (Select Cases) Read more about Lexington Services
Leadership	Not available ( A group of attorneys working for firm)
How it Works	More information on there 4 step enrollment process
Newsroom	Lexington News
Credit Repair Plans	$99.95 to start, $59.95/$99 month after
Plan Cancellation	You can cancel plan at any time with no obligation
Accessing Credit Reports	In order to access credit reports, Lexington Law requires you to provide them three credit bureau reports.
Service breakup	Step 1: Case Intake:- Access client credit reports. Verify and scan the relevant information which could help to improve credit score or repair bad credit. Set up user dashboard to upload documentation and monitor case progress Step 2: Legal Response:- Attorneys and paralegal person attached to case will draft legal letters and those letters are sent to credit bureaus.  Step 3: Credit Score Analysis:- Ways to improve score, a personalized report for clients. Step 4: Follow up & Escalation:- Work on Credit bureau feedback and follow-up work. Phone, email support from customer care agents, and paralegals.
Navigation	The site navigation can be made better not all links in footer.
Secure site	I reviewed there internet site address, which starts with https, hence effort has been made to make this site as secure.
Account setup	The initial deposite of $99.00 is required to setup the account.
Better Business Bureau(BBB) rating	B
BBB Review	Total of 563 tickets closed in 3 years. In last 12 months 209 tickets closed.
Internet Reviews	Reviews at Consumer Affairs  Reviews at  Yelp Reviews  Better Business Bureau Review

Lexington Law Better Business Bureau Ratings

The Lexington Law firm is in credit repair business form last 20 years plus and has helped thousands of clients. The firm definitely is legitimate business and being a law firm does bring credibility to its business service. After reviewing BBB web page for Lexington Law company, The current rating is "B" and there are many customers reviews and complaints. Most of those current issues reported have been resolved. There is a commitment and resolve to respond to customers complaints and problems, looking at BBB rating page they have closed 563 complaints and tickets in last 3 years out of that 209 tickets have been closed in last 12 months. .


The major complaint I see on internet is after closing of a account customers still get charged and many of the customers have to replace their credit cards or debit cards. This is something to check and see if any system failure is causing this action. I expect Lexington Law firm to look into this and update there webpage with the changes they make in process.

More on Lexington Law

Being law professionals and well versed with legal requirements, Lexington Law is legitimate business and has proven tack record to fix credit report errors. However I recommended reading their 'how it works' page and understand there credit report process



I would like to add customer reviews on my blog, if you have used Lexington Law Credit Repair services , please do send me your experience or comment on my blog. Read more on Lexington Law Credit Repair services

Sky Blue Credit Repair Services - Credit Repair Service Review

Sky Blue Credit Repair Services

Honestly, looking at the ads, emails and mailers I receive for improving credit score or for credit repair services, I often smell scam out of it. There ads so good to be true, 100 points increase in 30 days, surety about improving credit score from bad to good in just few weeks.


However to be fair about the companies which are in credit repair business and are transparent about there work and promise they make to users, I thought of reviewing few companies.



In my series of reviewing credit repair companies , today, I will be reviewing Sky Blue Credit company for Credit repair services. My review process will be based upon site design, site navigation, transparency on product services, BBB rating and details, on site customer reviews and complaints and comments on internet about their services.

Sky Blue Credit Repair - Company Review

www.skybluecredit.com/- Company history, Product Services, Faqs, Contact Information, and Leadership involved
Type	Description
Origin (Founded)	Year  1989
Industry	Credit Repair Services
Company status	Private
Headquarters(Address)	6001 Broken Sound Pkwy, Ste 300,  Boca Raton, FL 33487
Phone	Toll Free: (800) 790-0445
Leadership	Not available
How it Works	More information on there 3 step enrollment process
Sky Blue Credit Faqs	Read Sky Blue Credit Faqs -
Credit Repair Plans	Plans starts from 59.99 per month - The first monthly fees is not charged  until a month later.
Plan Cancellation	You can cancel plan at any time with no obligation
Accessing Credit Reports	In order to access credit reports , Sky Blue Charges customes additional money. Read Faqs.
Service breakup	Detailed review of customers credit report Personalized assessment and tips for improvement Customized dispute letters sent to Credit Bureaus
90 day guarantee	Although company does states 90 day guaranty, however details are not clear.
Family plan	Company also offers $99 dollar option for married couples.
Navigation	The site navigation is good Site footer has all the relevant details specially links to Faqs, Contact , guide, and tutorials.
Secure site	I reviewed there internet site address, which starts with https, hence effort has been made to make this site as secure.
Account setup	The initial deposite of $59.00 is required to setup the account. There after $59.00 is monthly fees.
Better Business Bureau(BBB) rating	A+
BBB complaints	Total of 6 complaints documented on BBB website and all of them are closed.
Internet complaints	No other complaints found on internet.

More on Sky blue Credit Service

Sky Blue credit are oldest in this trade and have good rating from BBB and I couldn't find any complaints on internet about them or their services. It seems they do good job on cleaning the credit report errors. There sign up process is straight forward and there is good deal of transparency on product services.

I would like to add customer reviews on my blog, if you have used Sky Blue Credit services , please do send me your experience or comment on my blog. Read more on Sky Blue Credit Repair services

How to build a Good Credit Score

I wish we had quick remedy to fix credit score or improve credit score. There is no secret sauce to build a good credit score. It is a step by step process to monitor your credit report and look for the factors which have impacted your credit rating and start improving them methodically. Credit management gurus have often said again and again that best advice to improving credit score is to manage credit responsibly and over the time credit score will improve. However here are few important guidelines on "how to build a good credit score'.

Access and monitor Credit Report

The first step towards improving the credit score is to access your credit report for the details you want to verify and correct. Although you can access your credit report from credit bureaus but it will cost you few dollars. You can access credit report from credit bureaus operating in America. The three credit bureaus documenting consumer information are (Transunion(www.tranunion.com), Equifax(www.equifax.com) and Experian(www.experian.com)). Accessing credit report directly from these credit bureaus will cost you few dollars.


There is one more option to get your credit report absolutely free. The Annual credit report site set up by the big three credit reporting agencies in the United States, to furnish free annual credit reports, as required by federal law. The law provides help to consumers to download free credit report once a year from each of these three credit bureaus.


My personal strategy is to use free credit reports one bureau per quarter, that way I can get more updated reports in next three quarters. However if you are looking for a big loan or you are in middle of improving credit score than downloading all three reports will be a better option. Sometimes there discrepancies between credit bureaus and you don't want to take chance to leave anything behind without credit repair. Get your free credit report from Annual Credit Report.

Monitor and understand your credit report

Now you have credit report in front of you the next step is to understand the structure of report. The information to look for -      - Read through your personal information. How your identifiable information is documented such as name, address, phone numbers.

     - Carefully read your accounts (bank, credit cards), do they match with the credit account you have opened.

     - Check for payment status, do you see any late payments 30, 60 day etc. IF hey don't belong to you it is time to create dispute ticket with credit bureaus and have them removed.

     - What is your debit ratio? This is equation between the credit available to you and the balance you carry on each account. The more lower balance and good available credit on each account helps to raise credit score.

     - Look for any collection accounts, you may have paid those bills but information is still on your consumer file. Raise ticket with credit bureaus and have them remove it from your file.

     - If you have small balances on few credit cards, it may be better strategy to have them paid off and then use couple of credit cards with good low interest rate. Consolidating balance to few cards helps.

     - Look for old derogatory information on file. the old collection accounts, missed payments or late payments can stay only for seven years. If they are old accounts and passed seven year mark then it is time to have them removed from your file.

Setting up payment alerts

You will be surprised many of the consumers simply miss payments or pay late credit card bill because they forget to pay on time. Isn't that a sorry state? Regardless of any reasons you may have for paying late bills or missing payments a strategy to have payment reminder setting on your smart phone, online bill payment or on thing's to do chart plastered on your fridge is a very useful tip. Paying credit cards bills on time specially before due date will help you to improve credit score.

Consolidating Card balance

I already mentioned paying off small balances on cards and then using couple of cards with low interest rate is way to go .

Keeping old good installment or paid debt accounts

Having old installment or paid debt account such as auto, small loans actually gives comfort to creditors and kind of acts as good credit report. It sends positive signal to lenders that you are committed and sincere in paying off the debt. Having good old account them on credit report is absolutely fine.

Making multiple loan request

As long lenders make inquires without your approval and pull your credit report to analyze for credit offer, it doesn't affect your credit report. These type of inquires are considered as soft inquiries.
When you apply to lenders and  any denied credit request actually brings your credit score by few points. hence it is important to access your credit report and understand your placement of creditworthiness based on credit score. This will dictate how much credit you can get.

On time Payments

Paying on time, before due date, and paying more than minimum payment is sure process to improve credit score.

Watch for missed or late payments

Having missed payments or late payments is not the end of everything. Looking at your mistake talking to lenders and bringing your account to current is first step. Sometime lenders will help you to forgo the past payments or put you on low monthly installment program to get you back on track. Making sure going forward you pay bills on time,  before due date and paying more than the required minimum payments is sure way to improve credit score.

Type of Credit

Having mix of credit accounts helps in some cases such as mixing auto, credit, debit and retail accounts. it shows wide variety of account and the length of payment history on these accounts.

Retail accounts to raise available credit

Retails cards are good to shop at individual stores and get big discounts they offer. There is one more reason to have them. Recently, I got retail cards from North storm ($10,000), Macys ($4,000), and old navy ($2000). My intention is to keep available credit to lower my debit to ratio. (Note - On some retail cards if you purchase out side of store items you will be charged with a higher interest rate. For example on my north Strom credit card I get charge with x percent on in-store purchases and on other purchases I get charged with a higher rate. )

Credit score improving links

Finally, few credit improving links, where you can get information in details and proven ways on 'how to build a good credit score.'

• Credit score A, B C and Z at FICO
• Improve trick at Experian credit bureau.
• CreditKarma not only gives you tips to improve credit score but also provides you free credit report. Visit creditKarma.
• Information at Equifax Credit Score . Equifax
• Information at Transunion - What matters most. Transunion.
• Free credit reports at Annual Credit Reports





I appreciate your feedback and if you like to add useful credit links, ping me. Thanks in advance.

discover credit cards for students - 2015

Discover Students Credit Cards - 2015

In this post I will be reviewing Discover student credit card "chrome for students" for the year 2015. My review is focused on low interest rate , balance transfer and other incentive programs such as earning points, cash back and reward programs. I also will be focusing on fine prints which consumers don't read or is so fine written that consumer don't show interest in reading it fully.

Get the card for college - Discover it® chrome for Students

Discover Student Credit Card	Features	Apply Online
	2% cash back - Double your rewards at gas stations and restaurants with 2% cash back on up to $1,000 in combined purchases each quarter. 1% Cash back - Get non stop cash back every time you use your card. Earn 1% cash back on all other credit card purchases. Redeem any amount, any time - Redeem your cash back as a statement credit, a deposit to your bank account4 or pay at Amazon.com5. Free FICO score - On your monthly statement and viewing option online. (Note: Your lenders or creditors view FICO score to evaluate your creditworthiness.) Fraud detection and 7/24 monitoring - Your card is monitored 7/24 for unauthorized charges and you are not hold accountable for unauthorized charges. Online account access - Access account from any location. Update your location if travelling outside of country. Interest rate Charges Annual Percentage Rate (APR) for purchase - 0% intro APR for 6 months from date of account opening APR for Balance Transfers- 10.99% intro APR for 6 months from date of first transfer. After the initial APR expires the new APR will be between 12.99% to 21.99%, based on your creditworthiness. APR for Cash Advances- 24.99 Penalty APR and When It Applies- None Fees Annual Fees - None Transaction (Balance Transfer) - 3% on each transfer. Transaction (Cash Advance) - Either $10 or 5% of the amount of each cash advance, whichever is greater. Penalty Late Payment - First time no penalty, after that $35 for each late payment. Returned Payment - $35 for each returned payment Good Fraud protection Program Good customer support service for US consumers. Avoid paying Interest - Pay your minimum due or bill payment prior to due date and avoid the interest charges. Read more on Terms & Conditions	Apply Now! on Discover secure line to get Discover Student credit card

More on Discover Student Credit Card benefits

The discover Student Credit Card comes with good fraud protection program and fraud monitoring system. If your card is lost or stolen the new card will be shipped through overnight system. You are also not responsible for the fraud charges put on your card. Apart from 2%, 1% cash backs on Gas and Restaurants and regular purchases the reward point can be maximized by shopping Amazon network.


The last thing I want to add is to educate student community on creditworthiness, it is important to understand and know your credit score. Also important is to manage your credit. Your today's action will shape your creditworthiness for future. Building your credit is step by step process, start managing your Discover credit card by paying on time and using part of credit available will ensure your credit score rises and you start getting excellent credit offers. Now you know the details about Discover Student Credit Card , search, compare, and apply online securely.

Apply online Discover Credit Cards

Discover Credit Cards offer 2015 - Search , Compare an Apply online

I will be reviewing all Discover credit card offers for the year 2015. My review is focused on low interest rate , balance transfer and other incentive programs such as earning points, cash back and reward programs. I also will be focusing on fine prints which consumers doesn't read or is so fine written that consumer looses the appetite to read document fully.

Discover Credit Cards for 2015

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Discover Credit Cards	Features	Apply Online
	Earn 5% cash back in categories that change throughout the year, like gas, restaurants and more, up to the quarterly maximum. Gas & Ground Transportation - Jan - Mar 2015 Food & Fun - Apr - Jun 2015 Summer spruce Up & More - Jul - Sep 2015 Holiday Shopping Oct - Dec 2015 Earn 1% cash back automatically on all other purchases you make, with no limits.   Redeem any reward any time. $1 Cash back = $1. Use rewards to pay for your purchases Discover provides free credit score along with your monthly statement. Good Fraud protection Program Good customer support service for US consumers. Rate Terms & Conditions APR for purchases - 0% intro APR for 14 months from date of account opening After the intro APR expires, new APR will be anything between 10.99% to 22.99%. The new rate is based upon creditworthiness. This APR will vary with the market based on the Prime Rate. Balance Transfer APR - 0% intro APR for 14 months from date of first transfer, for transfers under this offer that post to your account by March 10, 2015. After the intro APR expires, new APR will be anything between 10.99% to 22.99%. The new rate is based upon creditworthiness. This APR will vary with the market based on the Prime Rate. Cash Advance APR - 24.99 Penalty APR when it applies - NONE Avoid paying Interest - Pay your minimum due or bill payment prior to due date avoid the interest charges. Read more on Terms & Conditions	Apply Now! on Discover secure line to get Discover rewards card

More on Discover card benefits

The discover card comes with good fraud protection program and monitoring system. If your card is lost or stolen the new card will be shipped through overnight system. You are also not responsible for the fraud charges put on your card. Apart from 5%, 1% cash backs on selected calendar events and regular purchases the reward point can be maximized by shopping on discover partner network. Another benefit to use Discover card is to use rewards point to shop at Amazon network.


The last thing I want to add is to educate yourself on creditworthiness, it is important to understand and know your credit score. your credit score is gateway to get a good credit cards. If you know your credit score then you know what type of credit cards you should look for. Now you know the details about Discover reward card, read, compare, and apply online securely.

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Credit Karma Review - How to get free Credit Score and free Credit Report

Well, let me be honest, I had never heard of getting free credit score or free credit report other than getting a free credit report from Annualcreditreport.com, which is a consortium of three credit bureaus. In order to give fair review I wanted to try myself as a customer and check facts about their free credit score ad free credit report.

The Credit Karma's enrollment is three step process. In first step customer is asked to enter login credentials, which completes the account creation process. In second step you enter full details such as name, address, phone and last 4 of your social security number. Finally in last step you confirm your identity and access to your credit score and credit report is immediately available for viewing.

Credit Karma three step enrollment screen

Now if you are following my blog post, you will notice that I have not been asked so far to enter my credit card number. This proves Credit Karma does provide free credit score and free credit report to their customers. Now the question is which credit score, and what credit report they provide to customers?




Now it turns out Credit Karma is in business partnership with Transunion one of three credit bureaus to provide credit score and the consumer files for customers. In essence whatever is reported on Transunion credit file will be shared with you and the credit score awarded is also shared with customers.








once I had access to my account, I could see credit score and credit report with details on my personal information, credit card account details and the loans I had taken in past. Credit Karma along with free Transunion credit score also provides the addition scores such as Vintage score, Auto insurance score, and Home insurance score. Out of these scores Vintage score is new scoring model used by three credit bureaus for consistency and accuracy and rest two scoring models are industry specific.


Not only there credit report and credit score is free but also you get access to report for indefinite period. Now the question is how do Credit Karma make money by giving free credit report and credit score to customers. They make money from the commission they receive form third party companies, business partners who offer legal, debt consolidation, loans and other financial services to their customers.


Overall I consider this as good thing to happen for consumers. First they are getting free credit score, free credit report from Credit Karma. Secondly they don't have to pay them for accessing credit report. In addition to this customers have access to their knowledge repository and credit help line. After reading reviews on there site I was satisfied and was sure this is a definitely a legitimate business and has come up out if the box idea to help and educate consumers on credit, lending, and credit management ways.