larryandshaunafuller asked:

Also when do you get to excellent? Next, with a 640 FICO score, perfect payment history but not good D.T.I. what kind of rate can expect? Thanks everyone!

and yes Im working on the old score!

veebeerah asked:

I recently got married to a person with a lower FICO score than I do. If I add him to one of my credit cards as an additional user, would this lower my FICO score?

Crystal L asked:


i want to get my free report but don’t have a credit card, is there websites out there that give free reports?