The government requires the credit reporting agencies to provide you a free credit report once a year.
No need to sign up for a service. Nothing to join.
You don't need to join a credit monitoring service to get this report!
|Go to Free Credit Report Website|
FICO, the company that produces credit scores, is providing some information about how your credit score is affected by certain events.
|On a 680 score||On a 780 score|
|Maxed-out card||-10 to -30||-25 to -45|
|30-day late payment||-60 to -80||-90 to -110|
|Debt settlement||-45 to -65||-105 to -125|
|Foreclosure||-85 to -105||-140 to -160|
|Bankruptcy||-130 to -150||-220 to -240|
Here is the MSN Money article with more information.
"5 ways to kill your credit scores"