Credit report free gov Billings

They tell me in my overview that I have a 746 score and that I could save save $1,460. I credit report free gov Billings have no mortgage and my only monthly recurring debts credit report free gov Billings are three 0% interest payments for furniture and electronics credit report free gov Billings totaling approx $4300; at 407 per month (finished in 11 months). Here is the kicker their advice is for me to take out a 20 year fixed mortgage for $4399.00 at 4.875% to lower my payments to $29 per month. Ah ha seems it has a lot to do with their presets of my goals. They automatically select for you to Lower monthly payments and not credit report free gov Billings to Save most money on interest over time. You must also tailor the selection for Over how many credit report free gov Billings years do you want to optimize your loans?. get credit reports Once I selected save the most and 1 year their new motto for me became: Youre doing well! We ran 3,072 scenarios, analyzed your entire debt and found 13 options but they are not better than what you already have. Once I did all this my badge was indeed changed to Guru. And i did not in any way sign up for one of their offers. This site is nearly identical to Credt Kamra: http://www.creditkarma.com/ sans cool credit badges, of course. I wonder if some people in a position to do a hard pull on credit might accept this in place of the hard pull. I mean, obviously nobodys going credit report free gov Billings to sell you a house or give you a line of credit with this badge, but maybe it credit report free gov Billings could fill a need in credit report free gov Billings a less critical situation like renting a room of credit report free gov Billings a house? free credit report trial I mean, if you can save a hard pull on your credit report and still guarantee to someone youre over 740, maybe could be worthwhile Although I notice on the preview certificate page they make for you, theres no obvious link to an explanation of what the credit report free gov Billings different badges mean like there is on this blog post. Big mistake by CreditSesame if you ask me, but credit report free gov Billings easily fixable. @MattyG funny enough, since I do have credit report free gov Billings a mortgage I put it to minimize my monthly payments then it gave up trying to optimize (otherwise the suggestion was basically to move to a 15yr mortgage). After that it popped up the guru level badge for me as well. Seems like an easy enough thing to game one way or the other, now if that badge actually meant something. access free credit report I dunno, credit report free gov Billings it seems like in any situation important enough that Id require a credit check, as a potential lender or landlord or employer, Id just pay the $20 and get the whole report.