Credit.com Reviews and Details

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• I have a Derogatory Mark that is in Collections… How do I get it off asap? Plz

  But the debt may continue to impact your credit for longer than those seven years because the collections company can also place an item on your credit report. Depending on how the account is handled, whether it’s within the statute of limitations and whether you attempt to negotiate or pay the debt, the item can appear on your credit report for as long as around seven-and-a-half years from the last payment... Source: over 2 years ago

• Real Fico scores higher than Vantage?

  I read a lot about ignoring the Vantage scores provided by Creditkarma and while I'm satisfied with my Experian Fico 8 score, I got a trial membership on credit.com to see all the other Fico scores. Source: over 2 years ago

• Experian FICO Score 8 dropped by massive 44 points

  Just requested the credit.com people to remove it and also disputed on Transunion systems, hoping that it gets removed soon. Should not be affecting me negatively then, right? Source: over 2 years ago

• Experian FICO Score 8 dropped by massive 44 points

  So if I understand correctly, FICO 2/4/5 are used for mortgages. I then tired to dig deep into my report and got a free weekly trial from credit.com to see all other FICO scores. From 3 bureaus. And as per credit.com, my credit age and account mix ratings are either C or C- category (across all 3 bureaus). All other factors have either A or A+ (if that matters). Source: over 2 years ago

• Current credit score 612, how do I make it go up?

  I opened an account on credit.com, like you said, and canceled immediately. Credit.com shows my FICO 9 score as 668. It also shows that I have 2 negative records. They are both the same collection that I mentioned in my original post (2 different bureaus). Source: over 2 years ago

• Credit Score dropped a week before closing

  Thank you for the insight, I really appreciate it. I have a credit.com account that follows my FICO 5/4/2 mortgage scores and saw the dip with the explanation that it was because I didn't have a revolving balance among my credit cards. I now know the concept of AZEO (all zero except one) in order to avoid this in the future. I was purposely not using any credit cards the last month to avoid racking up my DTI in... Source: over 2 years ago

• Mortgage company pull doesn't match credit.com

  There are different FICO scores. The ones the mortgage company pulled might not be the standard Fico 8 score that credit.com pulled. Source: over 2 years ago

• Different Lenders Reporting Very Different Credit Scores

  I would recommend getting signed up for creditkarma.com and/or credit.com. Source: almost 3 years ago

• I thought navy gave free fico credit score. I just see vantage 3

  I got my FICO 8 from my Discover card and a credit builder company called CreditStrong. They offer the FICO score. I wasn't able to grab my EQ score BUT I just signed up for a 7 day $1 trial for credit.com and it literally gives me every score with all 3 bureaus. Source: about 3 years ago

• FICO 9

  Make sure credit.com don't keep charging you after your trial expires. They charged me 2 months in a row. This was after I did a chat with customer service and they assured me my subscription had been cancelled. So on the 3rd month of them trying to charge me debit card I disputed it with Chase and got the money back for only the 3rd month. Credit.com had the nerve to send me an email wondering why I disputed the... Source: about 3 years ago

• How to get over the 700 mark?

  Thanks. I tried credit.com. It was able to get all my info but it was not able to give me a score. Source: over 3 years ago

• free fico

  You can also sign up for the free trial at credit.com to get most of your FICO scores and cancel before the trial ends. Have not personally done this, so YMMV. Source: over 3 years ago

• My mom got mad because she couldn't have my tax return....

  Hey! I know this is way late to party but I use credit.com and creditkarma.com. Both sites have free credit monitoring and also give you a credit score. It will list all of the accounts in your name and show your credit history. Source: over 3 years ago

• I just need to know where to start.

  I am currently looking to buy a house in the near future (although that is now beginning to look impossible). I've also been really stupid my entire adult life as far as credit goes, but decided to turn it around this past year. Here is my current info (from credit.com):. Source: over 3 years ago

• Be careful with being an authorized user on someone's credit card

  If you paid for the Advanced or Premier, it would then show up. You can also get all of this information for free for one month for with credit.com (and you could get your FICO for free from experian.com). Source: over 3 years ago

• Why do I have to pay a $30 minimum even when I don't use the card?

  If I were you I would watch what your score does on a couple different platforms like credit.com, creditsesame, mint, etc and when it reflects low usage and has gone up a bit try applying for a better card with good reviews on nerdwallet.com. Source: almost 4 years ago

• Women being promoted over more experienced Men.

  According to credit.com, roughly 10% of workers make six figures, so let's presume half of them are men. This accounts for 5% of men. According to investopedia, the most expensive cities might run six figures just in living costs, as the cost of a house can run well over $500K. Unsurprisingly, over a quarter of the list is just California. Source: almost 4 years ago

• Best Card to Rebuild/Increase Score?

  Thank you very much for that information. I really appreciate it. I will check out the free trial at credit.com and go from there. The reason I was thinking about applying for new cards is that I would be considered a thin profile. Without applying to new cards, I'm not sure how else to raise my score. Source: almost 4 years ago

• When SBA pulls credit for the owner of a company I work with it's 602 but when the owner pulls credit from all agencies and VantageScore 4 it's over 650? Where is the SBA getting the score?

  That is correct, Vantage 3.0, f you want to obtain it for free go to NAV.COM or credit.com It will show your score that SBA is looking at. Source: almost 4 years ago

• Good Websites/Apps to Track FICO 8 Scores?

  Experian.com has a monthly subscription that shows you FICO 8s and reports from all 3 CRAs. credit.com and myFICO.com as well as you mentioned. Source: almost 4 years ago

• Finally looking to improve my credit to buy my home. Please read this and offer any help you can!

  I recently signed up for credit.com and creditrepair.com. I'm hoping the latter can remove some of the old charge offs but I'm not expecting anything. They've sent out 3 challenge letters out of the 8 negative marks. Source: almost 4 years ago