My FICO Score

Last weekend I decided to pull one of my credit reports from www.annualcreditreport.com. For some reason I always have trouble loading that page. I'm not 100% sure that I have the right link, but it's the link on Bankrate and the FTC (Federal Trade Commission) website. Well anyway, over the weekend the link worked. I have heard of a couple of strategies of how to best utilize your free credit reports. In the first one, you review credit reports from all 3 of the major agencies (Equifax, Experian, and Transunion) at the same time. Using the second strategy, you review one every 4 months so you can check to make sure that no fraud has occurred. I decided to go with the second strategy. The last credit report I pulled was in September of 2005, so this report was a bit overdue.

Since I'm thinking about buying a house in the next couple of months, I decided to go for the sales pitch and buy my FICO score as well. That cost $8. I know I can get all 3 for about $40. I was happy to see that my score was 781. Last time I pulled my credit scores was in 2004, when I was looking to rent an apartment in NYC. At that time my score was 730-760. I see this as validation that I am moving in the right direction.