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But it’s also possible the lender might see this as a sign that you’re working hard to rebuild credit. You can at least rest easy knowing that being reported as secured has no impact on your credit score. For more details about how FICO scores treat secured credit cards, check out my post: Does the FICO Score Treat Secured Credit Cards Differently? With the Discover it Secured Credit Card, you get 1 percent cash back on every purchase.You also earn 2 percent cash back at restaurants and gas stations on up to But it’s also possible the lender might see this as a sign that you’re working hard to rebuild credit. You can at least rest easy knowing that being reported as secured has no impact on your credit score. For more details about how FICO scores treat secured credit cards, check out my post: Does the FICO Score Treat Secured Credit Cards Differently? With the Discover it Secured Credit Card, you get 1 percent cash back on every purchase.You also earn 2 percent cash back at restaurants and gas stations on up to $1,000 in combined purchases each quarter.This act gave birth to the Annual Credit website, which contrary to popular belief, is not a government-run site.Rather, it is operated by Central Source LLC, which is a joint venture created by the three credit reporting agencies – Experian, Equifax and Trans Union.What they offer you is NOT used by lenders or creditors; it’s merely a score for “educational purposes.” If you want to get your real FICO, there are several sources licensed to provide it directly to consumers as of Q2 2016: Even though checking your reports through the Annual Credit website won’t get you your scores, it’s a great way to check your credit health and to make sure all the information is accurate.However, since going live, the site has been the source of quite a few complaints: The similarly titled Free Credit took a lot of criticism for its similar sounding name (side note: they now focus on their other site, Free Credit instead).Be warned: their website does NOT provide free credit scores! There are only four ways for consumers to get their real FICO scores.If you try to get your scores through their site you may have to enroll in a “free” trial with the credit bureaus that can be difficult to cancel during the 7-day grace period. The vast majority of website, including the offers from the bureaus through Annual Credit Report.com, use imitation scoring models that are not FICOs. || But it’s also possible the lender might see this as a sign that you’re working hard to rebuild credit. You can at least rest easy knowing that being reported as secured has no impact on your credit score. For more details about how FICO scores treat secured credit cards, check out my post: Does the FICO Score Treat Secured Credit Cards Differently? With the Discover it Secured Credit Card, you get 1 percent cash back on every purchase. You also earn 2 percent cash back at restaurants and gas stations on up to $1,000 in combined purchases each quarter. This act gave birth to the Annual Credit website, which contrary to popular belief, is not a government-run site. Rather, it is operated by Central Source LLC, which is a joint venture created by the three credit reporting agencies – Experian, Equifax and Trans Union. What they offer you is NOT used by lenders or creditors; it’s merely a score for “educational purposes.” If you want to get your real FICO, there are several sources licensed to provide it directly to consumers as of Q2 2016: Even though checking your reports through the Annual Credit website won’t get you your scores, it’s a great way to check your credit health and to make sure all the information is accurate. However, since going live, the site has been the source of quite a few complaints: The similarly titled Free Credit took a lot of criticism for its similar sounding name (side note: they now focus on their other site, Free Credit instead). Be warned: their website does NOT provide free credit scores! There are only four ways for consumers to get their real FICO scores. ,000 in combined purchases each quarter.This act gave birth to the Annual Credit website, which contrary to popular belief, is not a government-run site.Rather, it is operated by Central Source LLC, which is a joint venture created by the three credit reporting agencies – Experian, Equifax and Trans Union.What they offer you is NOT used by lenders or creditors; it’s merely a score for “educational purposes.” If you want to get your real FICO, there are several sources licensed to provide it directly to consumers as of Q2 2016: Even though checking your reports through the Annual Credit website won’t get you your scores, it’s a great way to check your credit health and to make sure all the information is accurate.However, since going live, the site has been the source of quite a few complaints: The similarly titled Free Credit took a lot of criticism for its similar sounding name (side note: they now focus on their other site, Free Credit instead).Be warned: their website does NOT provide free credit scores! There are only four ways for consumers to get their real FICO scores.If you try to get your scores through their site you may have to enroll in a “free” trial with the credit bureaus that can be difficult to cancel during the 7-day grace period. The vast majority of website, including the offers from the bureaus through Annual Credit Report.com, use imitation scoring models that are not FICOs.
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