Comments on: Know Your Credit Score? (Mine Is Eh)

By: Mike Dang

Mike Dang — Wed, 18 Apr 2012 16:17:56 +0000

@scarney What hurts your credit score (slightly) is when you do things like apply for credit, and the institution checks your credit score to see if you are credit-worthy. Checking your score yourself shouldn’t hurt you.

By: scarney

scarney — Wed, 18 Apr 2012 16:14:42 +0000

I’ve been told that checking your credit score actually hurts your credit. Is that a myth?

By: Bethy Hardeman@twitter

Bethy Hardeman@twitter — Mon, 09 Apr 2012 19:06:53 +0000

@nykin – Yes, there are WAY more than just one credit score. You actually have dozens. Credit scoring models are created based on who is pulling/purchasing them. For instance, the credit score you buy from some service will vary from the one your mortgage lender pulls to assess you for credit. It’s a business.

You can always check your credit score for free on CreditKarma.com, though, and follow the changes that occur with free credit monitoring.

@logan – actually, “You are currently using 69% of your available credit card limits” refers specifically to the fact that you’re currently carrying more credit card debt that creditors will deem appropriate. They’ll see it as risky to lend to you. BUT this is also a number that you can adjust from month to month.

Bethy @ CreditKarma.com

By: nyikin

nyikin — Mon, 09 Apr 2012 03:45:31 +0000

…Three credit scores? There’s more than one?! Whattt is FICO then? Aaaah, I remain completely befuddled by this whole credit score thing.

By: Logan Sachon

Logan Sachon — Fri, 06 Apr 2012 12:45:47 +0000

@jenfizz This is something we intend to cover! Very soon. VERY SOON.

By: jenfizz

jenfizz — Wed, 04 Apr 2012 19:56:04 +0000

What do we do to fix it though? I had some medical bills from a hit and run three years ago that went to creditors before I could pay them off. I settled with the creditors but that shit is still there haunting my credit score.