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Posted: 1/13/2006 7:56:33 AM EDT
less than 2weeks ago...

Was like 3-5pgs long, had a ton of good information as far as what would lower your score and what wouldnt. I thought it was titled like "What is your credit score" but I searched and couldnt find it.

Anyone? Thanks.
Link Posted: 1/13/2006 8:10:37 AM EDT
Dunno, but if you want real good info, try creditboards.com. It takes alot of reading but it was well worth it. You can easily raise you score 50-100 points.
Link Posted: 1/13/2006 8:21:43 AM EDT
Strange, I posted in that thread several times but I can't find it either
Link Posted: 1/13/2006 8:50:45 AM EDT

Originally Posted By VoodooChile:
Strange, I posted in that thread several times but I can't find it either



It was a great thread. Lots of good info.

I was gonna show my buddy the thread...
Link Posted: 1/13/2006 10:54:20 AM EDT
I'd like to see this too...
Link Posted: 1/13/2006 11:20:58 AM EDT
I'm gonna IM a mod.
Link Posted: 1/13/2006 11:27:47 AM EDT
Free Credit Reports, just a FYI.

Somewhere in your free credit reports they mention that it costs $10 or so to get your score.
Link Posted: 1/13/2006 11:30:38 AM EDT
Link Posted: 1/13/2006 11:40:08 AM EDT

Originally Posted By -Absolut-:
not this one was it? www.ar15.com/forums/topic.html?b=1&f=5&t=422849



Nah...

It had 2 guys arguing back and forth at each other in it. I think it may have been locked/deleted because of it.
Link Posted: 1/13/2006 11:47:12 AM EDT
[Last Edit: 1/13/2006 11:48:17 AM EDT by krpind]
It was in Team....I believe.

What's your credit score.....I searched


ETA...That's weird. Must of got trashed
Link Posted: 1/14/2006 1:29:30 AM EDT
Anyone?
Link Posted: 1/14/2006 1:49:03 AM EDT
If you cant find the thread you can find about 150,000,000 hits on the term 'credit report' using google. There is a ton of info out on the web, but there are a few basic things folks need to know...

You can get your credit report for free once a year, or anytime immediately following a rejected application for credit. A credit score (FICO) is a rating based on your credit report and a host of other attributes that fall into various categories.

3 companies produce the industry accepted credit reports; Experian, Equifax, and Transunion. (I think one of them is called Providian now, not sure, the names keep changing among the three)

1 Company Fair, Isaac (FICO) developed the credit score formula that determines a FICO Score.

Most credit card companies have programs that will provide both you report and score, and you can typically get this for free during a trial period. Aside from monitoring programs, most people should never need to pay to find out what their score is or what their report contains.

There is a lot more to it than this, but I am not the authority so I will leave to those that consider themself one. Just do some research...its a fairly simple concept, however Orwellian it may be.

Now what I would like to see is, someone that works as an actuary for one of those companies to post a thread here about the technical components of the score calculation. There are a million lists of things a person can do to improve their score, and yet more lists about act that hurt a score, but what I would love to see is the actual formula used to calculate the score...that seems to be a secret as I have yet to ever see a technical breakdown of the exact components and how they are weighted.

Good luck finding information, and be wary of sources...your credit history is nothing to chance.
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