I have sampled the Transunion free trial and now using the Equifax free trial. This is a far superior system as far as a customer understanding the information provided.
Remember, that the credit agency free trial you should use is based primarily on the state you live in and the credit card company you will be applying with. The search feature on the blog should take you to the blog article on Creditboards.com and the forum on credit pulls and the credit pulls database.
My target applications are the Citicards again for American Airlines miles. I will be applying from my winter address in South Carolina and the credit pulls forum indicates that Citi pulls their credit inquiries in South Carolina from Equifax.
Here is a sample of the information provided re: my individual credit score:
The Bottom Line
“A FICO® score of 745 is about average. Most lenders would consider scores in this range as good, and an indication that you are a dependable borrower. Based on your score alone, you might expect the following:
It is very unlikely your applications for credit cards or other loans will be turned down, based on your score alone.
Most lenders will consider offering you very attractive and competitive rates and terms on loans.
Many lenders will be able to provide you with an instant approval status based on your score.”
The service is free for 30 days with a free trial offer. It will be worth your time to learn their system of reporting and see for yourself the things that can and will effect your credit score. I have the “Equifax Credit Watch with 3 in 1 Monitoring with FICO Score” free trial.
Chase Sapphire Preferred® Card
- Annual Fee: $95 fee waived for the first year
- Foreign Fees: No
- Card Type: Bank
The Sapphire Preferred offers 2x points on dining and travel, and no foreign transaction fees, making this the go-to card for travelers.
This card accumulates Ultimate Rewards points, which are very valuable for transfer to United and Hyatt. Overall, this card is a great choice for maximizing earnings on dining, travel, and every day spend.
- Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate RewardsSM
- Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
- 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
- No foreign transaction fees, plus Chip and Signature enabled for international travel.
- 1:1 point transfer to leading frequent travel programs at full value — that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.
- 24/7 direct access to dedicated customer service specialists
- Introductory Annual Fee of $0 the first year, then $95