Free credit score and report Syracuse

I work for a sub-prime mortgage lender, and I can tell you that my company scores married couples using the primary borrowers credit scores (primary borr being the one making the most money). The co-borrowers scores are reviewed, but only because we have a minimum co-borrower score of 500 to even free credit score and report Syracuse qualify for the loan. If your wife is in school and has no source of income, putting her on the loan would probably hurt your loan amount potential. For joint ownership purposes, you can still have her on the free credit score and report Syracuse title for the house, which is separate from the actual loan. The big negative effect of her not being on free credit score and report Syracuse the actual mortgage is that her credit free credit score and report Syracuse scores wouldnt go up as you pay off the loan, but you could always refinance once shes out of school and has had a job for at least two years. Im not saying that this is advice that rings free credit score and report Syracuse true at every lending institutionjust how your situation would play out at my particular company. How Ironic I just put a fraud alert on my credit score as someone at my alma matter free credit score and report Syracuse Georgetown University left an external hard drive with 38,000 past and present students SSNs on it sitting in ther office unsecured over the Xmas holiday. annual credit report site In doing so I found out when you place a fraud alert they will give you your credit report for free. As to why some woman in the office of stundent affairs still had my SSN on a computer more than 8 years after I left free credit score and report Syracuse thats a different question Mo-TownI think you are correctI got my report off the TransUnion site (linked above), and the scores on there ranged from 501 to 990, so the scale is off, compared to the numbers Ive heard discussed. In the fine print, it references free credit score and report Syracuse using the VantageScore credit scoring formula (most likely proprietary). I will check with free credit score and report Syracuse one of the other two credit reporting free credit score and report Syracuse agencies.

Im interested in the score (cause Im kind of geeky that way), but more importantly, I got to take care of closing a bunch of orphan accounts that were inactive for over 5 (in some cases, almost 10) years, but were still open. 3 credit Thanks for the noteI was really unsure about what all this meant. Trent (and his great readership!) are helping us improve our financial situation, and I am delighted!

So these 3 firms take other people work or whatever, come up with free credit score and report Syracuse some number crunching system and charge you for information they get free and others decide whether you can or cant? Shit, most of it is wrong anyways, wrong information, wrong addresses, wrong names etc.WRONG WRONG WRONG.

Try to get a hold of one these places to try to clean up their mistakes (mind you, on YOUR!, i repeat YOUR information) no chance. 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. credit bureaus You can view the article 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 free credit score and report Syracuse score regularly is like checking your mutual funds on a daily basis. Its kind of fun, but it doesnt do you any good in the long run.