Get your FICO score FREE! No obligation.

[TBH]

Thanks, Steve.

Mine is 804. I'm about to go mortgage shopping so this is good to know.

[gamecock43]

Keep in mind there are 3 agencies that keep track of everyones credit and they each create their own score. The scores are generally within a range of each other- my last FICO score check a few months ago had a range of 26 points between the highest and lowest score. So everyone disappointed with their score might have 2 higher (or lower) scores on the other 2 reports.

[SnoopyCool]

Offer closed.

[simpleyme]

What bugs me is that mine says that it is lower because I have a consumer finance account in my history and that those are companies that lend to people who can't get traditional loans. The account in question was one of those interest-free deals when we bought our bedroom furniture. I had no idea at the time that those offers reflect badly on your credit report and score or I wouldn't have done it. I certainly don't need non-traditional financing.

but why would you not have done it? you would lose out on the use of OPM because of a loss of a few credit points? I am assuming you were getting interest in a savings account for that money and know exactly what you earned by using the offer

if you are not in the market for any loans and your score is pretty high,why not?

[maat55]

I got mine. 717, I'm dissapointed with it, but it showed I have a tax lien and short history. I found the tax lien was for 1993 and was released in 1995. Somehow it popped up in 2006.

I'm going monday to get the release and send it to the agencies. Due to low available credit, my usage for all credit limit is 88%, 91% on mortgage and 37% on revolving.

[disneysteve]

but why would you not have done it? you would lose out on the use of OPM because of a loss of a few credit points? I am assuming you were getting interest in a savings account for that money and know exactly what you earned by using the offer

if you are not in the market for any loans and your score is pretty high,why not?

I may have done it anyway, but I would have given it more thought depending on where things stood and if I was expecting to borrow any money around that time.

[Snodog]

I got mine earlier today at around 10:40 am and I told a coworker about it 5 minutes later and they closed it off when he tried.

Mine is down to 810.

[Multima$tery]

Thanks for the information!