
Its a lets see how many hoops you can jump through. So until people wake up and demand their own information for free, you get everything thats coming to you. I also have a Washington Mutual credit card, specifically because they have free credit monitering (including your credit score). I dont think it would hurt to open the account, use it once to activate it, and then just cut it up once you pay it off. Also (and I may be wrong) I think if you have ANY Washington Mutual account (savings account, checking, etc) they offer free credit montering as long as you manage the account online. I wrote a similar article back on January 23, titled Smart Planning will get you 3 Free Credit Reports per Year.
You can view the article credit card reports St. Louis here: http://20somethingfinance.com/blog/2008/01/23/what-is-a-credit-report-and-how-do-i-get-mine-for-free/ Unless youre going to be buying a house within a year or so, checking your FICO score regularly is like checking your mutual funds on a daily basis. free credit report Its kind of fun, but it doesnt do you any good in the long run.
After selling my first house and apply for a mortgage on a second, my FICO actually dropped and I had no new credit accounts, increased credit limits on my existing accounts, and no bad debt whatsoever.
I run a small housing counseling agency (www.raahc.org) and we are able to soft pull credit reports for free with scores (doesnt include Equifax).
We use it to work with people who want to buy a house but arent sure if they qualify. free credit information To find a housing counseling agency in your area, go to http://www.hud.gov and click on the link to housing counselors. I wont vouch for the quality of all, but we use a special program developed by Freddie Mac that not only allows us to make the pull, but it also lets us credit card reports St. Louis know if someone is ready to apply for a mortgage successfully. If they arent, we are able to look at specific issues that need to credit card reports St. Louis be addressed to prepare them to see a mortgage lender. If youre looking to buy a home, a good housing counselor can get you a LOT of benefits. BTW, the credit card reports St. Louis scoring range is different for each of the credit bureaus, so I believe (from memory here) that the 850 max was correct. annual free credit report Transunion scores can get into the 900s, but the other two max out at 850 and credit card reports St. Louis 820 IIRC, making 850 the max since it would be the middle score.