Actually, freecreditreport.com is just a scam with an obnoxious jingle (And Ben Stein!) used to advertise it. You want the Annual Credit Report which is the website freecreditreport copies your free report from right before they start billing you for a monthly service.
Like Matt A said, if you don't have a credit card and have never had a home or auto loan, you probably don't have any credit history and thus, no credit score. If this is the case, I would recommend getting a secured credit card from a bank. With a secured credit card, you put a deposit on the card (usually between $300 to $500), which becomes your credit limit. Use it once or twice a month (small purchases) and pay off the balance each month. After several months (maybe a year), you can ask to the bank for a regular unsecured credit card. Here's some more info on secured credit cards:
I use creditkarma.com ... There may be some debate about how accurate it is, but you can check your score daily, and there are all kinds of easy tools and stats: credit simulator, updated outstanding debt, number of open accounts, lots more. For me, it seems to be pretty accurate, because i can see my outstanding debt change after making a large payment. I just took a screen shot of my visit. Click on the credit.JPG attachment below. Oh yeah, it's free.
I agree, but the reality is that, in the US, if you don't have sufficient credit history, you can't get a loan to buy a car or house. I pay for most of my purchases with my credit cards, but I pay them off at the end of each month, so I'm not paying any interest on it.
As bad as the credit card debt is in America, our government's debt is significantly worse. It is an abomination that our government is not able to maintain a balanced budget.
Hello fellow atheists! I have joined this site in an attempt to find other rational individuals, such as myself, and to promote a current charity drive that I am trying to get going for the Oklahoma tornado victims. I have managed to get many groups from around my area, including the Beyond Belief Foundation to back me on this endeavor.
I am located in Newnan, Ga and have my own atheist group entitled "Coweta County Atheists". I am currently being backed by Spaulding Co.…
There is a video of the Pope's 'exorcism' caught on film. The man isn't demon possessed, there are likely no 'real' demons. He's just delusional and doesn't want to accept personal responsiblity for his own behavior for his own dysfunctional life.
There is an ad that reads ' Do you support 'traditional' marriage? Vote Now"! .
No, I don't support 'traditional' marriage because there is no such thing. I support heterosexual and same-sex couples marry each other legally , yes. 'Traditional' marriage promoters largely do not believe that heterosexual women are co-equal to their husbands. Their only purpose in 'traditional' marriage is to sexually satisfy their husbands if they can and raise children and do all…
i've got no problem with everyone saying "merry christmas" on christmas day. however, they've turned it into an entire holiday season where it lasts a month or more. in those situations it should be perfectly acceptable to say "happy holidays" or call it a…