Credit Report Card: A Truly Free Look at Your Credit Record


Crcsnapshot If you are looking to get an easy to undertand excutive snapshot of your credit anytime, no cost, or negative markes for checking. Take a look at this great resource.

Carlos Samaniego

In early 2009, contracted me to blog for them after they read a post I wrote on Boing Boing about my unpleasant experience with

Today, launched a new and truly free online tool called Credit Report Card, which gives you an easy-to-understand snapshot of your credit report, along with estimated scores from the different reporting agencies. It clearly shows you how your credit score was calculated, along with suggested steps for taking action in each of the five main areas that make up your credit ratings. It does a great job of clearing up the mystery of credit scores and has made me more conscious of how my financial behavior and decisions affect my credit score.

Side note: This kind of transparency is terrific — I hate it when giant institutions have information about me that I don’t have ready access to. That’s why I ran a how-to article on making a magnetic card stripe reader in Make magazine, which I edit. People should be allowed to see what kind of information is being stored on their own credit cards!

Above is a screenshot of what’s Credit Report Card looks like. It’s my own credit report card. (I’m only showing the top part of the report card, as I don’t want to share my personal data) As you can see, I have excellent credit :), but I’ve made too many “Inquiries” in the past year, which has knocked my overall rating down a bit.

Interestingly, the day after I generated my Credit Report Card, I went to Macy’s to buy a gift for my wife. The sales clerk wanted me to apply for a Macy’s credit card, promising all sorts of discounts on this and future purchases. If I hadn’t used Credit Report Card, I might have taken her up on the offer, which might have damaged my credit rating. So this tool has come in handy already.

The FAQ for Credit Report Card (linked from the front page) will answer the most obvious questions (executive summary = it’s free; using it won’t affect your credit score; you can request a new report card every 30 days; there are no strings attached; and the data you provide to generate your report will not be used for any other purpose).

Give Credit Report Card a try, and let me know what you think of it!

by: Mark Frauenfelder – Editor-in-chief of MAKE magazine and the founder of the popular Boing Boing weblog, Mark was an editor at Wired from 1993-1998 and is the founding editor of Wired Online.

Can Credit Really be Repaired?

to what the credit bureaus would like you to believe, credit repair does work
and can work for 100% of people in most circumstances. This is, of course,
provided you are getting the best advice and have an experienced professional
working on your case.


with a credit score below 720 can benefit long-term from the advice and
information provided through credit repair; however, there are times when your
own limitations make adhering to this advice impossible. The two limiting
factors are: 1) your financial situation and 2) the time frame within
which you need results. It is possible to remove anything from a credit
report, even accurate items, if the creditor does not adhere to the law that
outlines the steps of what needs to be done and by when. But just because
you have a certain type of account removed at one time does not mean other,
similar items are going to be able to be removed, even with the same circumstances. A
hit-or-miss aspect exists in credit repair, because credit repair relies not
only on the strategies of the person attempting to repair the credit, but also
on the effectiveness or ineffectiveness of the creditors and credit bureaus in adhering
to the laws. Sometimes you want the credit bureaus and creditors to follow
the law, sometimes you don

Double Your Credit

I learned early on that credit card companies love people
who max out their credit cards. They love them because of the income stream
they get as a result. However, if you max out your credit, the companies may
also view this as a sign of desperation and assume that you are a risk. It is a
catch-22: If you are barely using your credit, the credit card companies do not
have much reason to increase your limit; on the other hand, using your credit
too much will make them feel you are a risk.


Consequently, to make the credit card companies happy, you
have to do two things. First, make them feel you are not a risk. Second, let
them know that by increasing your credit, they can make more money from you
without increasing their risk.


How do you do this? Easy

Credit Tips & More Hawaii Photos

Well, we are back home from a dream trip to Kauai. Today we need to get back to our Credit tip. Below is a great one from my firend Edward Jamison, Credit Attorney from Los Angeles. If you are intested in some of his services give me a call I will introduce you to him and his company.

I have also posted a few more pictures from Hawaii. Take a look at the photo album on the left.

Don’t forget to call or email our office to get your free “Debt Analysis Now!”

Credit Tip #10: Get rid of your charge-offs and liens
If being late on your account can kill your credit score, you can imagine how much your past charge-offs are hurting you. At Jamison Law Group, we believe in giving individuals the second change they deserve. Our system averages removal of 70% of negative items from a credit report, resulting in an average increase of 50 to 70 points than can save you thousands to hundreds of thousands of dollars.

Check out to learn more.

Your friend,
Carlos & Elizabeth

Who is Looking at Your Credit Report?

It’s been a few weeks since I last posted.

LandonSince then Miami Heat won the
Finals and Shaq got another
championship and the US get’s
booted from World Cup.
We are all proud of our hometown
player, Landon Donovan from Redlands.
Wait till next year 🙂

So this week credit tip, is about who is looking at your
credit and how this looks are hurting your score!!

Carlos’s Credit Savvy Tip #7:
Keep mortgage inquires to a 2 week period

      Ten percent of your credit score is based on
a record of how many times your report has been
viewed by a third party in the past year. That being
said, Fair Isaac knows you will need to rate shop
when looking for a new mortgage or auto-loan.
In order to compensate for that, once a year, the
Fair Isaac credit score allows you to have your credit
pulled unlimited times in a two week period while
shopping for a car or home and count the period as
only one inquiry. So when every point matters, make
sure that you are able to do your car or mortgage
shopping in a two week period.

I hope that helps in your quest for the the
"Davinci Credit Secret" Don’t forget tomorow night
our workshop here in Redlands for more details visit

Today pictures are from my cousins wedding in San Diego,
it’s pictures of my sisters and brother with their spouses,
finances, and girlfriends.

Juliemike My oldest sister with her husband Mike.


My middles sister Ruth with her fiance, Shuane

Sambrynwedding My younder brother Sam with his girlfriend, Brynn

Your friend,

Carlos Samaniego