by debt kid on September 16, 2009
How To Get a Low Interest Rate Personal Loan That Doesn’t Suck
In 2005, anyone with a decent credit score (640+) could get a personal loan from the major banks with little ease.
Fast forward to today, and personal loans are about as common as Kanye West NOT making a complete fool of himself every time he’s [...]
by bigappledebtor on July 28, 2009
I’m sure some of you are already up in arms and in major defensive mode. Hold your horses, let me explain what I mean. It’s my personal (albeit non-professional) belief that if you are trying to get out of debt, forget about your credit score unless you are planning on buying a house in the [...]
by debt kid on May 3, 2009
So I checked my credit scores this evening since it’s been a few months since I last checked at MyFico.
Not bad. Not bad at all. Steady climbs across the board. My previous scores in Jan. this year were 518 for TransUnion and 610 for Equifax. In February they were 548 for TransUnion and 634 [...]
by debt kid on February 13, 2009
I had to say “goodbye” to a dear old friend today:
My Experian credit score.
After today, Feb. 13th, FRIDAY the 13th mind you, consumers will no longer be able to access their Experian FICO score.
It’s really a shame. Lenders and commercial businesses will still be able to access the scores, but not consumers through myfico. Lame. [...]
by debt kid on January 21, 2009
One of my goals this year is to again try and buy a house. It will probably end up being a small place for my mother, but don’t tell her that yet!
My Current Credit Scores
To hit that goal, I need to have much better credit scores. I pulled my 3 scores from MyFico yesterday and [...]
by debt kid on December 8, 2008
For quite awhile, especially right after my bankruptcy filing, I figured my credit score would be shot for life. I just kind of gave it up as something out of my control for the next few years.
Well, I’m changing my mind. I want to try and rebuild my credit score up to where it [...]
by debt kid on October 16, 2008
Your credit score can impact your life in several ways. If you maintain a high credit score, you can enjoy lower interest rates, access to increased levels of credit, and easy approval for apartments, mortgages, and other loans. By contrast, a low score can have the opposite effect. Interest rates that are offered to [...]
by debt kid on September 3, 2008
So, I took a look at a free service offered by CreditKarma this week. Since I used to be quite the credit and credit score aficionado, this stuff is still very interesting to me.
CreditKarma gives a you a "score" that’s pulled from Transunion data. It’s not a real FICO score, but what would be known [...]
by debt kid on February 26, 2008
With some old high school buddies coming to the age where they start purchasing homes, the topic of credit scores recently came up.
You know you’re getting older when you start talking about mortgage rates and credit scores!
It was actually a pretty fun conversation for me. I didn’t input anything (I got 200K+ in credit [...]
by debt kid on January 31, 2008
I would consider myself somewhat of a credit score expert. What I did with my credit score (getting over 100K in credit at age 23) unfortunately didn’t turn out very well for me. That doesn’t mean that you can’t benefit from my mistakes though! Here are 3 free, fast, and easy steps you can take [...]