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myLot reputation of 96/100. Sillychick (2131)   ranked 335 out of 38,209 in life1 month ago

Does anyone use this site? Is it a pain to cancel before the trial membership is over? Is the information accurate? Helpful? I'm wondering if I should even bother or just pay for my credit score. I know you can get a credit report for free, but that doesn't include the score, which is what I want to know. Any input appreciated.

 
 
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tags:  credit score, credit report, report, score, credit
 
1. myLot reputation of 99/100. Grandmaof2 (4363)   ranked 741 out of 38,209 in life   1 month ago

Please be careful with this. I know you're not from Canada and I am but I had a bank teller tell me one time that whenever they have to go in to check your credit rating it looses you points on your credit score. I don't know the law where you are but it's worth checking it out I think.


myLot reputation of 96/100. Sillychick (2131)   ranked 335 out of 38,209 in life  4 weeks ago

Any inquiries to your credit can lower your score, but not when you check your own credit. You can check your own credit as often as you like and it won't hurt your score.

Keyword Check your credit report & FICO® credit score online today at myFICO. www.myFICO.com
 
2. myLot reputation of 78/100. vanamite (141)   ranked 37,379 out of 38,209 in life   1 month ago

Hello Sillychick! I signed up for free credit report and I still have my account with them and have to pay the $15 monthly charge but I did try and cancel my account at one point and it was not hard to do at all! they have a phone number you call to cancel your account. I called it the second month i was with them because I did not care about my score anymore, so when I called I got a hold of a woman and she was really nice and I told her I would like to cancel my account and she talked to me for a little bit and to make the story short, I had already paid that month so I decided to keep the account another 20 days and then cancel it after 20 days to get the most out of my money but I ended up just keeping it!:)
and NO it does not hurt your score when you check you score with free credit report! it explains everything about that when you get your account ..... but basically when you check it through the website it does not hurt your score. the only checks the REALLY hurts your score are "hard inquiries" you get through car dealerships banks etc...


myLot reputation of 96/100. Sillychick (2131)   ranked 335 out of 38,209 in life  4 weeks ago

Good to know it was not hard to cancel. Thanks for the info.

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3. myLot reputation of 96/100. gitfiddleplayer (5143)   ranked 1,718 out of 38,209 in life   1 month ago

Your bank might be able to do it for you. They have the means to get it quicker and you can sit down with a bank manager and talk about how to raise it with a small loan.


myLot reputation of 96/100. Sillychick (2131)   ranked 335 out of 38,209 in life  4 weeks ago

Good idea, that may be the way to go.

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