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 Post subject: Facebook and Credit Score
PostPosted: Sun 12-27-2009 10:45PM 
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On facebook in the right side ad section there is an from Experian.

The ad reads:

Quote:
Your 2009 Credit Score

An excellent credit score is 750 or above. Click here to see yours online in just two easy steps from Experian.


Are other people also seeing a number for the image?


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 Post subject: Re: Facebook and Credit Score
PostPosted: Sun 12-27-2009 11:07PM 
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Don't see a number, but could almost most guarantee it's randomly generated

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 Post subject: Re: Facebook and Credit Score
PostPosted: Mon 12-28-2009 8:31AM 
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It has been the same one everytime that ad comes around.

I also hope it is randomly generated, but with the targetted marketing facebook has been trying to get deeper and deeper into, I wouldn't be surprised.


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 Post subject: Re: Facebook and Credit Score
PostPosted: Mon 12-28-2009 12:31PM 
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Its not, they would need your social security number to get access to your credit report. Plus everytime your credit is checked, there is a little ding to your score (so if its checked too often the score lowers). It's a dumb ad.


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 Post subject: Re: Facebook and Credit Score
PostPosted: Mon 12-28-2009 2:28PM 
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dar9q7 wrote:
Its not, they would need your social security number to get access to your credit report. Plus everytime your credit is checked unless you check it yourself through a credit monitoring site, there is a little ding to your score (so if its checked too often the score lowers). It's a dumb ad.


Fixed!


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 Post subject: Re: Facebook and Credit Score
PostPosted: Mon 12-28-2009 3:23PM 
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Drowning
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those sites are soft pulls of your credit, they are different than getting your credit checked for a car/house loan. They do not affect your credit either way. Though usually they will try to scam you of $30+/mo

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 Post subject: Re: Facebook and Credit Score
PostPosted: Mon 12-28-2009 3:36PM 
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I'm still finding it really creepy that they displayed what I already beleived my credit score to be. Keep an eye out for this.


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 Post subject: Re: Facebook and Credit Score
PostPosted: Mon 12-28-2009 3:41PM 
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Patrick wrote:
dar9q7 wrote:
Its not, they would need your social security number to get access to your credit report. Plus everytime your credit is checked unless you check it yourself through a credit monitoring site, there is a little ding to your score (so if its checked too often the score lowers). It's a dumb ad.


Fixed!


Every time a hard credit check is performed, your score lowers by one point.
Every time a soft credit check is performed, it does not affect your score (pre-approval ads)

I am not sure what the difference is in the information soft checks have over hard checks, but I know that a majority of your history is not revealed, and hard checks MUST have your approval before they can be done. So be careful how many credit cards you apply for, even if you don't want them or intend to cancel it right away.

I am not positive, but I don't believe that there is an exception for when you check your credit yourself. I could be wrong, because it has been about 3 years since I worked at a bank, but I think it still counts against you.

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 Post subject: Re: Facebook and Credit Score
PostPosted: Mon 12-28-2009 4:02PM 
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I live without credit.


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 Post subject: Re: Facebook and Credit Score
PostPosted: Mon 12-28-2009 5:00PM 
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Goran wrote:
I live without credit.


That seems stupid.


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 Post subject: Re: Facebook and Credit Score
PostPosted: Mon 12-28-2009 10:57PM 
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FrankieM wrote:
Goran wrote:
I live without credit.


That seems stupid.


So does living without AdBlock Plus killing all the Facebook ads.

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 Post subject: Re: Facebook and Credit Score
PostPosted: Tue 12-29-2009 8:05AM 
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ShadowCat38 wrote:
Patrick wrote:
dar9q7 wrote:
Its not, they would need your social security number to get access to your credit report. Plus everytime your credit is checked unless you check it yourself through a credit monitoring site, there is a little ding to your score (so if its checked too often the score lowers). It's a dumb ad.


Fixed!


Every time a hard credit check is performed, your score lowers by one point.
Every time a soft credit check is performed, it does not affect your score (pre-approval ads)

I am not sure what the difference is in the information soft checks have over hard checks, but I know that a majority of your history is not revealed, and hard checks MUST have your approval before they can be done. So be careful how many credit cards you apply for, even if you don't want them or intend to cancel it right away.

I am not positive, but I don't believe that there is an exception for when you check your credit yourself. I could be wrong, because it has been about 3 years since I worked at a bank, but I think it still counts against you.



I'm almost positive you can check your own credit score all you want and it won't ding it. I know I've looked at my report on several occasions and have never seen past checks done by me on there.


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 Post subject: Re: Facebook and Credit Score
PostPosted: Tue 12-29-2009 12:42PM 
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5. Do Credit Report Inquiries Lower Your Score?

Your credit report includes more than your record of paying bills. One section of the report lists inquiries. These are records showing who has accessed your credit report. There are various purposes allowed for companies to look at your credit report.

Your credit card company may monitor your report to review your account with them. This type of inquiry appears on your credit report, but does not affect your credit score.
Creditors and insurers review your report to see if you qualify for an offer. These "preapproved" or "prescreened" offer reviews do not affect your credit score. (For information on how to stop preapproved reviews, see http://www.privacyrights.org/fs/fs1a-basics.htm.)
You apply for a job and the employer orders your report. This inquiry does not affect your credit score.
You check your own credit report. This will not lower your credit score.
The only credit report inquires that can lower your credit score are applications for new credit.

source: http://www.privacyrights.org/fs/fs6c-CreditScores.htm


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 Post subject: Re: Facebook and Credit Score
PostPosted: Tue 12-29-2009 11:14PM 
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AdBlock here as well.

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