•You may boost your credit score by opting out of the prescreened credit offers received in the mail.
•Go to http://www.optoutprescreen.com/ and opt out for 5 years.
Every 12 months you are able to get all 3 of your credit reports for FREE athttp://www.annualcreditreport.com/. These are totally FREE if you DO NOT request a credit score. They are selling you a consumer score and it is not the same as what the lender pulls. For an accurate credit score you can get your TransUnion and Equifax score at http://www.myfico.com/ for a fee. Experian is no longer allowed to resell a FICO score and the only way to get an accurate score from Experian is to have a lender pull it.
To read more about MISLEADING CREDIT SCORES, visit http://redtape.msnbc.com/2011/04/lawsuit-experian-sells-misleading-credit-scores.html