British Expats
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British Expats (https://britishexpats.com/forum/)
-   USA (https://britishexpats.com/forum/usa-57/)
-   -   Quick question on credit... (https://britishexpats.com/forum/usa-57/quick-question-credit-895892/)

mrken30 Apr 25th 2017 3:35 am
Re: Quick question on credit...
 
Originally Posted by MidAtlantic (Post 12238069)
True, but it doesn't give a credit score.
Quizzle does, annualcreditreport.com does not. However it does tell you who is reporting and gives you account details.

tom169 Apr 25th 2017 3:40 am
Re: Quick question on credit...
 
Discover also attach your FICO score to the monthly statement.

mrken30 Apr 25th 2017 3:51 am
Re: Quick question on credit...
 
Originally Posted by tom169 (Post 12238088)
Discover also attach your FICO score to the monthly statement.
I think most banks and credit cards give you access to some kind of FICO score.

Credit.com gives me the score that most closely matches the score I get if I apply for a loan. The other free FICO sites, give me scores 20-30 points higher sometimes

jellybean_17 Apr 25th 2017 9:03 am
Re: Quick question on credit...
 
Just looking at creditkarma, it says they do a soft search - do you lose any points for this?
I read previously something about soft searches being 5 points? Hard searches 50?

petitefrancaise Apr 25th 2017 9:13 am
Re: Quick question on credit...
 
Originally Posted by jellybean_17 (Post 12238336)
Just looking at creditkarma, it says they do a soft search - do you lose any points for this?
I read previously something about soft searches being 5 points? Hard searches 50?
no

mrken30 Apr 25th 2017 9:25 am
Re: Quick question on credit...
 
Originally Posted by jellybean_17 (Post 12238336)
Just looking at creditkarma, it says they do a soft search - do you lose any points for this?
I read previously something about soft searches being 5 points? Hard searches 50?
Soft searches : no impact
Hard searches , maybe 10 points, if that. It may depend on how many you do, I have never done more than 5 in a year.

jellybean_17 Apr 25th 2017 9:26 am
Re: Quick question on credit...
 
Originally Posted by petitefrancaise (Post 12238339)
no
Thank you :thumbsup:

Geckz Apr 27th 2017 10:33 pm
Re: Quick question on credit...
 
Another +1 for credit karma!


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