Updated January 2010	25% off may expire soon!

myFICO Promotional Code Details:

When you click on “get discount code,” the promotional code will apply and appear automatically during checkout, before you make your purchase. The myFICO discount code will work for most myFICO purchases.

• If your purchase FICO Score Standard

  You get your choice of FICO scores and credit report from Equifax 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.

• If you purchase Score Watch

  You get a 30 day free trial or the choice of a monthly payment subscription. 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.

• If you purchase FICO Quarterly Monitoring

  You get a FICO score and report from TransUnion four times per year, you can choose a monthly payment subscription or a yearly discounted payment. FICO Quarterly Monitoring is a helpful service if you suspect identity theft may happen and need to monitor your credit, the service also includes an identity theft insurance coverage.

Updated and Expired myFICO Promotional Codes

Need more information on each of the products listed above? Check out this latest myFICO promotional code page for more information and latest promotional codes that will give you additional savings off your purchases at myFICO.com

Credit score and myFICO products from myFICO.com are a recommended purchase if you’re in a financial situation where you need to know your credit worthiness. This is especially true if you’ll be applying for an auto or mortgage loan within the foreseeable future.

Recently Expired Codes:

• 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 September 2009.
• 50FICOKIT: 50% off allFICO scores. Ridiculously good deal, may appear again in future.
• myFICOis8: 30% off during FICO’s 8th anniversary. Perhaps they’ll do a 9th anniversary sale?

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.

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!

FICO Score Tracking #1 | #2 | #3 | #4 | #5 | #6 | #7 | #8

• 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!

Related Post:

• myFICO.com Review

Tempting.

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.

Click to Continue Reading…

Hi.

You really should subscribe to the blog, and you definitely should check out the links before you leave the site—which is in about… two seconds from now?

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

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.