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StubbzOG OP t1_iujbmrc wrote

Reply to comment by whisky_in_your_water in building a fico credit score? by StubbzOG

I really appreciate this advice I will Starr with discover asap where might be a good place to check my fico score etc?

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whisky_in_your_water t1_iujc6a4 wrote

The Experian app is free and provides a real FICO score. They also sell other scores, but you probably don't need those.

As a general overview, there are three bureaus that provide FICO scores:

  • Experian
  • TransUnion
  • Equifax

There are other types of credit scores, but these are the only FICO scores (that I'm aware of). Eventually, you'll want to get access to all three, and usually credit card companies provide a free FICO score from one of those bureaus (I think Discover provides TransUnion nationwide), and which they offer may depend on your region.

Just make sure you always pay your bill on time. Having bad credit can be worse than no credit. Also, try to pay off your statement balance every month, otherwise you can end up paying interest, which can get you into a lot of debt.

Good luck! I hope you can find a place soon!

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StubbzOG OP t1_iujeh9z wrote

Ahh this sub has been so helpful thank you and everyone for there help!

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whisky_in_your_water t1_iujftzg wrote

No worries.

When you get some time, review the wiki, there's a ton of great stuff there relating to managing credit, budgeting, etc.

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