Founder asked:


I have requested and received free credit reports from all the 3 credit agencies, but none of the reports include a credit score. Are they required to send you your score. I did see a link on one of the sites that asked for $12 to get my credit score and not just the credit history.

Jerry

great_and_mighty_adam_levine asked:


Basically, how current is the credit agencies records?

Under normal conditions, my credit utilizaiton varies wildly.

When applying for credit, I generally want 10-20% credit utilization. I can make that happen, but I wanted to know:

How long after I make it 10-20% should I apply for credit?
How long do I need to hold my credit utilization at 10-20%?

Michael