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LockedHave you accessed your free credit score yet?

posted on November 12, 2009 at 10:19AM Inappropriate?

If you are a Sears cardholder, log into searscard.com and check out the all new access to your FREE Credit Score! But don't just look at it, simulate how your score would change if you, say, opened a new credit line, or paid off a car loan.

For those of you who have logged in already, what do you like about the tool? What could be better?

replies: 6 latest post: January 26, 2010 at 08:51AM by JulieK
Displaying all 6 posts
posted on November 12, 2009 at 10:39AM
 

Will the new Mastercard Platinum card issued via CitiBank have a yearly membership fee?

posted on November 17, 2009 at 12:42AM
 

Aw, now why did you have to go straight for the jugular and ask the pointed question that we all know the answer to? If the annual fee on the standard "Gold" card is now $50, what makes you think the new fancy "Platinum" would be any less?

You're not supposed to notice those little $50+ annual greed fees when they're so convienently added to your January billing statment every year. Remember, you're getting a free credit report perk now, so what's the problem with fifty bucks?

Nicetry - if you'll just take the time to read other credit card discussion threads, you'll see that the poor innocent victims at Citibank are just rushing to jack up their fees under a free democratic society before new federal regulators tell them it's wrong. What right do we have to complain about that?

Remember, Citibank needs your $50 every year more than you do. If you don't agree, just remember.... You get a free credit report!

Another suggestion Sears makes on other posts... Close the credit account (because Citibank has become a renegade that Sears can't control), and place your big ticket gift items on layaway. It was very popular in the '60's and '70's, and now it's back. Best thing ever, right?

posted on November 17, 2009 at 05:09PM
 

Hi Its-Stacey-Simon, I think you are very knowledgeable in credit cards and the financing options Sears is offering its customers! Sears is fortunate to have customers like you. 

A lot of our customers are really excited about the layaway, both for big ticket and small items. If you have any ideas on how Sears can improve your shopping experience, we are all ears :)

posted on November 17, 2009 at 07:47PM
 
In response to SHC-BenedictW's post from November 17 2009 05:09PM

lol

posted on December 26, 2009 at 09:50PM
 
In response to CreditExpert's post from November 12 2009 10:19AM

What I find interesting about this is that you get to view your TransUnion credit score, but in the letter mailed to me about why Citi is lowering my credit limit, they base off data from Equifax.  And when I view my TransUnion credit score, it's very close to 700 (not great, but not horrible either). But bad enough to reduce my credit limit by close to 65% I suppose.  Another long time Sears card holder and shopper who finds this disrespectful.  I know that argument that it's not Sears' fault, it's Citi's.  But we tend to be judged by the company we keep!  That's what I tell my kids, so why shouldn't corporate America be held to the same standard.  I for one will take my business elsewhere. 

posted on January 26, 2010 at 08:48AM
 

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