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CreditScore.com的信用数据是实时来自于信用报告机构(credit-reporting agency)或称信用局(credit bureau), 美国全国性的信用局主要有三家: Experian、Equifax和 TransUnion,在线注册后,你可以马上查看到三大局的信用报告。在7天的试用期之内,你可以免费无限次的查询自己的信用报告和信用评分。


· 法律规定每年我们都可以免费查询自己的信用记录一次,由 由三家信用记录公司共同支持 Equifax, Experian and TransUnion. 法律依据是the Fair and Accurate Credit Transactions Act, FACT Act 可以每四个月查一次,每次只查一家,这样的话,一年可以查三次,都免费。信用记录不显示分数,但是如果发现错误,可以及时和它们联系,避免分数下降。

· creditkarma, 提供免费,不限次数的信用分数查询,它和Transunion合作,用transunion的信息。但是它使用的计算方法和FICO有所不同,所以分数有时候和其它来源的分数有出入。但可以作为一个很好的参考,出入一般不大。

· 可以单独向三家调查公司付费申请,以及MyFICO.com上申请。

源文档 <>

Bank of America

Open a new BankAmericard Cash Rewards™ Visa Signature® card and earn a $100 cash back bonus after making at least $500 in purchases in the first 90 days, plus:

· 1% cash back on all purchases

· 5X cash back on gas, grocery, and drug store purchases for 6 months

源文档 <>


Citi Forward Card for College Students offers $75 statement credit for new approvals through this offer with air ticket purchase.

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This entry was posted on August 28, 2011 by .
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