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MyFICO Free Credit Score Review

When it comes to checking credit scores, the first thing that often comes to people’s mind is FICO. The credit scoring method developed by Fair Isaac is the most used credit scoring standard for credit Bureaus. As a result, more and more debtors are of the opinion that in order to get the most accurate credit score possible, using the MyFICO free credit score review would be the best bet there is.

FICO Standards

FICO uses a range of numbers to interpret a person’s credit score, ranging from 500 to 850. The higher the numbers, the better a credit score is. People who fall around the 620 range are usually considered to have average credit scores while those who have more than 700 are deemed as excellent debtors. The scores themselves are subject to different factors including a person’s credit history, type of credit, amount of type the credit is paid and any outstanding balances.

MyFICO Free Credit Score

The MyFICO free credit score review also features a score summary detailing exactly how the numbers would affect a person’s score when it comes to applying for a loan. At the same time, a list of factors is detailed, showing how each relates to the overall score. The program basically details all the basic information useful for users, especially for beginners who want to lower their credit risk.

Drawbacks

Compared to different sources for a credit score, MyFICO definitely provides sound information that would be invaluable for most people. However, the program is not entirely scot free and is only available for a thirty day trial period upon which, a payment would be asked for. For those who constantly check their credit score, purchasing the program would be expensive. However, those who have never seen theirs would benefit greatly on the trial version. In fact, some of the MyFICO free credit score review actually suggests that buying the program is best for those who are working towards a big purchase on a loan.

Credit Scores Improvement and Advantages

As mentioned, the MyFICO free credit score review details exactly what factors would affect a person’s credit score. As a result, users would be able to pinpoint exactly what variables to manipulate in order to change the numbers in their favour. This is most especially true for those who are trying to build up their credit score in preparation for a house loan, car loan or any large credit type. Of course, this doesn’t mean that one cannot take a loan with a bad credit rating. The whole purpose of maintaining a good credit score is not only to avoid being rejected for a loan. The goal is actually to get a loan that comes with favourable paying options, specifically a low interest rate. This allows a person to borrow the same amount of money at lower rates, thereby saving money in the process. In the long run, maintaining a high ranking credit score would place a person in a better financial situation especially during emergencies.

See all 3 Experian, Equifax, Transunion credit scores free.

American express premier rewards gold review

Among all the main credit card issuers, American Express has the highest credit quality. With the billions of transactions that flow through its network, American Express is able to create value for its customers by capturing and analyzing all the information. On average, American Express cardmembers spend about 3X more than those of MasterCard and 3.5X above those of Visa. What makes American Express special is they make the majority of their revenues from cardmember spending and with the business they drive to merchants, instead of from lending fees and revolving credit balances. American Express has earned awards for the highest customer satisfaction among credit card companies by J.D. Power and Associates five consecutive times. Concerning industry leading rewards programs and platforms, the company dominates. American Express is the one company with a strong global presence across the entire payments chain. American Express operates the world’s biggest travel network as they serve consumers and businesses. American Express processes millions of transactions daily for their high spending cardmembers. American Express provides commercial payment tools and expertise that helps companies control their expenditure and save billions of dollars. American Express helps small business owners succeed by delivering purchasing power, flexibility, and financial control. By purchase volume, American Express is the world’s largest card issuer.

The American Express Premier Rewards Gold card is one of the best rewards credit cards American Express currently offers. The card is extremely popular because of it’s sign-up bonus points of 25,000 points, which are worth $ 250 in redemption. The American Express Premier Rewards Gold card will also let you earn an additional 15,000 points, worth $ 150, each year that you spend at least $ 30,000. Another reason the American Express Premier Rewards Gold card is so popular is because there is NO annual fee for the first year, so not only do you get the bonus points, you get to try the card out for free! In terms of how the rewards work with the American Express Premier Rewards Gold card, you will receicve triple points on airfare, double points on stand-alone supermarkets, and double points on your gas purchases. With this credit card you’ll also get 1 point per $ 1 spend on all other purchases that don’t fall into the higher earning categories. Redemption options include using your points for airfare, hotel, and other travel expenses. Aside from redeeming for travel, you can also use your American Express Premier Rewards Gold card to redeem for gift cards, entertainment, and online shopping at over 300 popular merchants. Other nice features of the American Express Premier Rewards Gold card include things such as extended warranty on purchases, baggage insurance, and return purchase protection. Another great feature of the American Express Premier Rewards Gold card is that whenever you book two consecutive hotel nights through American Express Travel services, you’ll get back $ 75 after you check out. To get your 25,000 bonus points you have to spend $ 2,000 during the first three months of account opening.

Amex Business Platinum: http://bit.ly/asksebby-platbiz
Earn 60,000 MR after ,000 in spend in 3 months w/ the Amex Platinum: http://bit.ly/asksebby-amexplat
[ Blog Post ] https://blog.asksebby.com/the-best-and-worst-ways-to-use-american-express-membership-reward-mr-points-95daf793e846

We go over the best (and worst) ways to use Membership Reward points from American Express.

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Related videos:

Big Downgrade to the American Express Business Platinum Card: https://youtu.be/0Z2yO2FN8No

Is the 0 Amex Platinum Worth It? (Expected Value + Breakeven): https://www.youtube.com/watch?v=9R2K1GWOtgQ

SFO Amex Centurion Lounge: 5 AM Half-Awake Edition: https://youtu.be/RWeCWFQ2aCE

Amex Platinum Metal Card Unboxing + weighing it vs. Chase Sapphire Reserve & Ritz-Carlton: https://youtu.be/VDHMZa2yk3o

Big Updates to the Amex Platinum: 0 Annual Fee, 0 Uber Credit, and 5x Hotels: https://youtu.be/4BX8s57xb6w

How to maximize Amex Platinum travel benefits: https://www.youtube.com/watch?v=BuPwlAHi5Y0

Amex charge card vs. credit card: https://www.youtube.com/watch?v=VW-fJvMtRH8

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Edited by:
Sebastian Fung: https://twitter.com/sebfung

Produced by:
Mandy Hong: https://twitter.com/mandyhong08

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