Your Credit Score
Target blew it, as you know. About 70 million Target customers had their credit card data stolen lat year.
Here's a way to get back some of your lost privacy -- even if you are not a Target customer. You can get a free credit report.
Do you think you have a problem with your credit? You can contact the three major credit report firms. Here are phone numbers to call to speak with live human beings. Maybe they are in India, but so what?
There is a free site that lets you estimate your FICO credit score. It's worth trying. But it gives a range, and the range is broad. Use it to get a "close enough for government work" score.
Banks will soon be making this service available for free. Barclays does this now.
So, be patient. Maybe you can get that 800 score you've always wanted.
I lost mine because I asked a card company to reduce my credit limit. I wanted safety. I was dumb. I never got my 800 score back.