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Free Credit Report Scams
#1
Other websites that claim to offer “free” services often come with strings attached, most of which are an initial free service that comes with a fee after the trial period. If you’re being asked to provide any payment information upon signing up for a “free” service, make sure you investigate further. The two trial-based services I recommended earlier (Identity Guard® and IdentityForce) are very upfront about the trial periods and don’t attempt mislead customers with tricky wordplay.
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#2
Creditors want to know your track record of paying off bills and debts. To show a good track record, open some credit accounts, pay on time, and try not to have a lot of debt. But beware: having too much credit—for example, having many credit cards—may hurt your credit score because creditors may look at your total debt potential.
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#3
(06-01-2019, 05:19 AM)examplemallet Wrote: Creditors want to know your track record of paying off bills and debts. To show a good track record, open some credit accounts, pay on time, and try not to have a lot of debt. But beware: having too much credit—for example, having many credit cards—may hurt your credit score because creditors may look at your total debt potential.


Be thoughtful about what credit cards or financing to apply for. Applying for many new credit cards or other credit accounts in a short period of time counts as several “inquiries” on your credit report and can hurt your credit score. Note that if you have lots of inquiries for a mortgage or car loan in a short period of time, many creditors will consider them as a single inquiry.
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#4
Your credit score will likely be hurt if the amount of debt you owe is close to your credit limit. According to one rule of thumb, creditors may be hesitant to lend you money if your debts are more than 75% of your credit limit. So, make sure you know how much you owe on your credit cards and other debt. If you can, pay off your full credit card balance every month. If you can’t, try to keep a low balance and pay down as much as you can.
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#5
(06-01-2019, 05:20 AM)chimpledfoothill Wrote: Your credit score will likely be hurt if the amount of debt you owe is close to your credit limit. According to one rule of thumb, creditors may be hesitant to lend you money if your debts are more than 75% of your credit limit. So, make sure you know how much you owe on your credit cards and other debt. If you can, pay off your full credit card balance every month. If you can’t, try to keep a low balance and pay down as much as you can.



If you are having trouble paying your bills or repaying your loans, contact your creditors about repayment plans. If you arrange a repayment with a creditor, make sure—before you make any payments—that you have a written agreement from the creditor that as long as you keep up your end of the plan, the creditor will report your account as current, paid off, and not late. It is better to work out a repayment plan sooner rather than later because creditors generally won’t work with you after they send your account to a debt collection service, and that will likely hurt your credit score more.
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#6
If you need help fixing your credit, contact a non-profit credit counseling service that can help you for little or no cost. You can also check with your employer, credit union, or housing authority to see what no-cost credit counseling programs may be available.
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#7
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#8
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