Delta Skymiles – Your Credit Report for Free

I was reading my latest copy of Bottom Line Secrets and came across this gem that wanted to share with the millions and millions of AmEx Delta Sky Miles Members:

  • Until April 30th 2009, you can get your current credit score for free by just asking for it.

Keep in mind this is for Delta Sky Miles Members.

I checked mine out and was pleasently surprised.  Remember in this tight credit market, in order to get any credit,  you should know your numerical Credit score (330 – 830) as well as your FICO score (a combined score from the 3 credit reporting companies.

Of course, as any company does, they try to sell you an ongoing “credit monitoring” service which you can purchase (approx $12/mo).  I of course declined at this time.

Of course if you don’t have the Delta Skymiles card you can get your free annual  credit report for free from each of the credit reporting companies (Experian, Equifax, Transunion):

If you don’t do anything in 2009, make sure you know what your credit score is. Good Luck!

AFTER you know what your credit score is, you have the advantage when you negotiate (yes you can, if you try), with your credit card company revised rates. Credit card companies “rank” you based on your credit score, so if you know your score, you can get the best rates.

I’ve mentioned Suze Orman in the past, but I recommend to everyone to look at her site on how you can take charge of your credit!

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