Jacqueline MoodyJammin’ Jests, Jukin’ Jives, & Jolly Roger Justice

As someone who advocates a low-carb diet, I don’t get very excited over sliced bread, but I do get very excited over saving some dough! Thanks to the credit report business getting more competitive, I was able to do just that today.  There are a few different free credit score companies that have popped up.  I tried a couple of them and found the one that I really like is Quizzle http://www.quizzle.com.  It is cool!  They give you your Experian credit score free, and you can repull it at any time.  You can also see what’s on your credit report including who did hard pulls on your credit recently.  In my case, I’m seeing 2 years worth of credit pulls.  I didn’t have any three years ago, but had one four years ago and five years ago. Those are too old to show up.  If you have a problem with the data on your credit report, they have a button you can click right next to the item that takes you to an online Experian page that lets you dispute the item.

They have some other really cool tools too, including

one that shows your home’s current value and just how much equity you have to borrow from.  They also have a mortgage tool that lets you see the rates you can get.  I wouldn’t recommend getting these loans as they are higher than you can get from a credit union such as PenFed and even show some interest only options.

They also have tools helping you with both your budget and your rainy day savings.  All-in-all, not too shabby for free!  I have paid a lot more in the past to MyFico.com in order to get credit scores and credit reports.  It has been worth it as we found something negative on the credit report that belonged to someone else in the same town with the same name and were able to get it removed before applying for credit.  

If you try out Quzzle, let me know what you think.  Hopefully you saved some dough too!