Comments on: Skipping A Car Payment Could Help

By: Rayle Shonie

Rayle Shonie — Wed, 01 Jul 2009 22:45:33 +0000

Sounds like Harris is, as you say, encouraging frivolous spending, for the sake of business – so they can get that bonus processing fee, plus extra interest.

By: hallmonitor

hallmonitor — Tue, 30 Jun 2009 17:07:30 +0000

I really hope that more & more consumers are getting wise to these ‘free offers’. Please keep up the good work alerting us to these ‘creative marketing scams…er…I mean…schemes’.

By: maggie

maggie — Tue, 30 Jun 2009 17:04:13 +0000

if you get your own credit report it doesnt affect your rating. only if a 3rd party accesses does it get recorded. you can access it as much as you want (or can afford to). and with so much fraud going on, I think it’s a great idea. one thing I WOULD tell you, my experience with signing up for Experian’s monthly service, where you pay a fee and then you can track your score whenever you want, and they email you a monthly ’status’ is a TOTAL nightmare. it’s impossible to cancel, and they hit you with fees even after you’ve written, called etc… Avoid it. use the website they mention above. it’s the only one officially allowed to issue ‘free’ reports, and that’s mandated by law. All the other sites that offer ‘free’ are all Bait & Switch!!

By: Phil

Phil — Tue, 30 Jun 2009 14:31:49 +0000

Concerning credit reports: I’ve heard that any time you access your credit report, it actually lowers your credit score. Any know whether this is true?