StopBuyingCrap.com

Updated 8/17/2008	myFICO 20% ~ 25% off discount code

 
Discount code will appear automatically before you make the purchase and will apply for any FICO product. The discount code will be updated periodically, so please leave a comment below if the code doesn’t work.

• If your purchase FICO Complete, you get all three FICO scores and credit report from each of the three credit reporting agency. 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 ($8.95 per month afterwards) and will receive a monthly FICO score and report from Equifax along with credit monitoring. A useful service if you need credit monitoring to see changes in your credit profile.

None of these are a recommended purchase if you’re not in a financial situation where you need to know your credit score; after all, their cost can add up significantly.

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.

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