Payday Loans

August 2006 Monthly Archive


Current working codes: E1303bdy20FST or CPPSAVINGS for 10% to 20% off. YMMV!

Free trial offer: Test drive Score Watch with this 10-day free trial offer.

myFICO Promo Code

Updated Note: The code E1303bdy20FST works as of March 2013 but again, a very much your results may vary thing (if you’re a frequent buyer then discount may not work). The free-trial always works for a new user or someone who hasn’t checked their FICO score recently.

Which myFICO Product Should I Buy?

The myFICO discount code generally works for almost all the myFICO credit products listed below. If you’re unfamiliar with the products, here’s a complete breakdown:

  • Score Watch Free Trial

    Try 10-day free Score Watch (from myFICO.com) if you haven’t signed up for the service before. Otherwise, at myFICO you have the option of paying a monthly subscription for $14.95 a month or pay for an annual $149.95 plan. For the monthly rate, there is a 3-month minimum subscription. With myFICO’s Score Watch, you will receive a monthly FICO score and report from Equifax along with credit monitoring. Score Watch is a useful service if you need credit monitoring to see positive or negative changes in your credit profile.

  • FICO Quarterly Monitoring

    You get a FICO score along with a credit report from TransUnion four times per year, you can choose a monthly payment subscription or a yearly discounted plan. FICO Quarterly Monitoring is a helpful service if you suspect identity theft may happen and need to monitor your credit, as the service also includes an identity theft insurance coverage. FICO Quarterly Monitoring is different compared to Score Watch mainly in that the scores are from TransUnion and not Equifax, and that the scores are provided to you on a quarterly basis, compared to a monthly score update. Because of the new price change, this is actually the best bang for the buck in terms of FICO score per dollar. $4.95 a month for 12 months comes to $59.40, after the 25% discount makes the monthly price $3.74, or $44.88 yearly. This results in a price of $11.22 per score (as you get four TransUnion score per year). Pretty darn good deal!

  • FICO Score Standard

    You get your choice of FICO score and credit report from Equifax and/or TransUnion (Experian FICO score is unfortunately no longer offered). FICO Score Standard is a useful service if you’re shopping for an auto or mortgage loan and need to know where you credit currently stand from a specific credit report agency and are relatively cheap when purchased with the myfico promo available above. If you know positively that the lender in question only uses TransUnion or Equifax, just purchase one of the respective score only and save money (especially since they recently raised the price on the FICO scores).

You’ll notice that some other myFICO product descriptions aren’t listed above, namely the Suze Orman’s FICO Kit Platinum along with IDFreeze. This is simply because I personally don’t recommend these two products as they overlap the other offerings above. The educational information you’ll receive from Suze Orman’s FICO kit can mostly be found at various credit education websites online, not to mention myFICO’s very own education center and knowledge base. You can definitely try them out if you want, but again, I personally don’t feel that they’re worth the thinner wallet.

How do I get the myFICO promo code to work?

How to apply the promo code discount

First, visit this link, and use the latest available coupon code listed above this page. Click on the myFICO logo to visit the homepage, then click on “check my FICO SCORE” tab. There, you will find the button to buy FICO Standard (aka just your Equifax and TransUnion scores). Look for the promo code box on the bottom left and you’re set!

They have since created a streamline purchase page, making it a little bit easier to by your FICO scores, requiring about 3-4 pages instead of the previous 7 pages of transaction. (Here’s another perspective: making it easier for them to make a buck out of you). Once you’ve logged in or created your account, you’ll be presented with an up-sale offer of a property report. If you’re not interested, simply leave the button where it is: “No thanks” and click “Continue.”

You’ll be presented with the screenshot above, with the discount already applied. Fill in your payment information and simply click the orange “Make Purchase Now” button and viol√† — scores at a 25% (at times, 30%) discount!

Is the Code I’m Using Updated or Expired?

Need more information on each of the products listed above? If you need more details on Score Watch, this page will have more breakdown on each of the products Fair Isaac offers, including the latest promo code that will give you additional savings off your purchases.

Because the credit score business is big money, there are numerous amounts of coupon and discount codes released periodically by Fair Isaac, with some occasions of anniversary sales and/or special discounts. I regularly keep track of codes that’s working (and I’ll update the expired list below accordingly so you can find out if the promo you’re using is expired or not).

Occasional Working Codes:

  • CPPSAVINGS: YMMV on this code. Its been confirmed to work sometimes for some individuals but most of the time it may not work.

Recently Expired Codes:

  • E1302SGL20FST: 20% off all products worked in Feb 2013.
  • UNIONPLUS: 10% off all FICO product was the last known verified working code.
  • FICO25: 25% off FICO product expired after prices were raised. D’oh!
  • FORUMS25: Offered to creditboard forums members. Expired around Feb/March 2011.
  • TWEET25: Limited time 25% off via myFICO twitter account expired Feb 2011.
  • SW94608: 30% off Score Watch and individual scores. Expired August 2010.
  • MYFICO25: 25% off. Expired sometime during summer, 2010.
  • MYFICO30: 30% off myFICO products. Expired end of March, 2010.
  • 26UNTIL2010: 26% off myFICO Standard until — you’ve guessed it, 2010.
  • SURVEY30: 30% off all myFICO products. Unfortunately expired.
  • NOVEMBER26: Works for 26% off myFICO Standard until November 26, 2009.
  • FINANCIALHELP25: Provided on myFICO.com homepage, worked until 9/09.
  • 50FICOKIT: 50% off allFICO scores. Great deal, may appear again in future.
  • myFICOis8: 30% off during FICO’s 8th anniversary. Perhaps they’ll do a 9th anniversary sale in the future.


Everyone’s got one, right?

It can be your car, belt, frying pan, spouse, etc. They may be old, out of style, and there may be newer, slicker alternatives—but you love it and you’ll keep using it until it breaks down on you. Just because it’s old doesn’t mean you need to replace it.

Prints like a champ!My old piece of junk would be the HP Deskjet 895 printer.

It’s about 8 years old—a century old in the age of computer equipments. What I love most about the printer is the fact that the ink cartridges are now available cheap in generic formats. They can be found at a cheap price of 10 for $40!

What’s your old piece of crap that you’ll never get rid of?



Alright, here are the winners for those yummy free In-N-Out burgers.

Comment numbers were chosen randomly by rolling a dice.

  • Hurray to:
  • #6 – anita in la
  • #29 – Andrew
  • #5 – tony
  • #28 – Kristin
  • #17 – Jem

Can’t believe my own numbers were chosen twice. Those above should receive an email from me shortly. For those that were hoping to score a free burger but didn’t—sorry!



Track your FICO scores easily with Score Watch!

  • Number of accounts opened: 7
  • Inquiries: 3
  • Total revolving balances: $2,500
  • Total available credit: $53,000

Finally, back above 700!

This another fine example that the total amount of revolving balance affects your FICO score greatly. Since the last update in June, there has been little changes to any of these accounts besides the pay down of 0% balance transfers. Remember kids, if you’re utilizing a large portion of your credit limit, you’re giving your credit scores a major hit. Refer to the November 2005 score as an example.

The current, real-time score is most likely above 727, as the current total revolving balance should only be around $500—but the Providian score was most likely acquired during the middle of August. Will grab some scores via myfico.com for a quick comparison later on in the week.

Now that the scores and balances are in a more reasonable range, it may be time to look for another card to replace the soon-to-be defunct Citi Dividend Card.

If you’ve never seen these FICO tracking post before, check out some of the past post… the scores are like a roller coaster ride!

FICO Score Tracking Series:

  1. More Debt = Lower Score
  2. Who Cares About Credit Score?
  3. Lowest Score Ever
  4. Little Changes
  5. Nothing New, Yet
  6. Back Above 700!
  7. Breaking the 800 Mark
  8. What the Deuce?


Tempting.

Being a geek has never been so good.Buy me, you will. Clicky click

Clicky click

Clicky click

But, you know the name of the site.

Sniff, oh well.



Ah, convenience checks. Aka cash advance checks. When I see them in my credit card statements (mostly from Chase), I’ll go ape crazy and rip the checks into pieces and throw them into the fireplace—because as you all know, fire changes the physical and chemical property of paper. There’s little chance the paper will reappear! (Until next month).

You may find these convenience checks included in your monthly credit card statement. There will usually be a nice letter accompanying it, from your credit card company:

Hey best friend!
Use these convenience check to pay for that summer vacation, grocery purchase, or helicopter! All you have to do is write the amount, sign your name—use them like a regular check!
Yours, Credit Card Company.

Convenience checks are anything but convenient. If your definition of convenience is living on the streets due to credit card debt, then you’re dead-on.

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If you’re still here, check out the yummy Table of Contents!



Free In-N-Out!!

So I was having some In-N-Out for dinner and realized that other people might want some too. Because frankly, it’s still the best $3.25 ever (within the four minute driving distance).

Do You want a free burger, fries, and ice tea? Just leave a comment! I’ll randomly choose five people, who’ll receive a $5 gift certificate for In-N-Out.

Some quickly made-up rules:

  • Only for California, Arizona, and Nevada residents. Sorry!
  • One entry per person, per household address.
  • Gotta leave an email address for me to reach you. Nope, won’t spam you.
  • Ends this Sunday, 8/27/06, 11:59 PM PST.

Will have these freebies again in the future, usually on the days that I eat In-N-Out.

Why? Probably because they’re good enough to give away for free.

P.S. Fast food’s bad for you.



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