Free FICO Score from Equifax for the next 10,000

Free FICO Score from Equifax for the next 10,000

http://www.equifax.com/freeficoscore/

795

 

>_>

 

i didnt have to enter anything other than the basic info they'd ask you at a car dealership.... no payment info; just name, address, and answer the secret questions about previous loans or places of residence.

they dont give you a full report of your accounts, though, but at least you get your score, and stuff like:

What's Hurting Your Score?
Because your FICO® score is high, these reasons may seem "picky" and you should not consider them to be serious flaws in your credit history. They are simply factors on which you did not score the absolute maximum possible points and leave some room for improvement.

You recently opened a new credit account.
Your newest account was opened 3 Months ago

FICO High Achievers [?] opened their most recent account 27 months ago, on average.
Your FICO score considers how recently you opened a new credit account. People who recently opened a new credit account are slightly more likely to miss future payments than those who have not.

What to do about this: Avoid opening more credit accounts at this time and as a general rule, if you don't need or plan to use credit, don't apply for it.



What's Helping Your Score?
The positive factors listed below reflect areas of your credit behavior that are helping your FICO® score. You should continue the good practices listed here. These factors are listed in order of their impact to your score – the first has the greatest positive impact and the last has the least.

You have no missed payments on your credit accounts.
Number of your accounts with a missed payment
0 accounts
About 93% of FICO High Achievers [?] have no missed payments at all. But of those who do, the missed payment happened nearly 4 years ago, on average.
You helped your FICO score by paying your bills on time. Staying current with your bills will continue to help your score.

You have an established credit history.
Your oldest account was opened
12 Years, 4 Months ago
FICO High Achievers [?] opened their oldest account 19 years ago, on average.

Average age of your accounts
5 years
Most FICO High Achievers [?] have an average age of accounts between 6 and 12 years.
Your FICO score measures the age of your oldest account and the average age of your accounts. Your FICO score was helped because you have a relatively long credit history and you haven't recently opened many new accounts.

You've limited the use of your available credit.
Ratio of your revolving balances to your credit limits
10%
For FICO High Achievers [?], this ratio is 7%, on average.
Your FICO score evaluates your total revolving account [?] balances in relation to your total credit limits on those accounts. Your FICO score was helped because you've kept this ratio of balances to credit limits low.

You've shown recent use of credit cards.
Your FICO score evaluates your mix of credit cards [?], installment loans and mortgages. People who demonstrate responsible use of different types of credit are generally less risky to lenders. You helped your FICO score by showing recent use of a credit card.

 

i see what oyu did there.