Best way to see credit score?

[rz]

Sarcany wrote:
[quote=rz]We both pay all of our credit cards off in full every month, except for one that has zero percent interest for another 3 years (why pay it off early when it's at zero percent?)... two of the agencies said both of us had "too many unpaid balances". WTF?

Having a 0% interest rate doesn't mean that you have no obligation to pay a monthly minimum towards the principal without consequences. Take a few minutes to read your card-holder agreement and you'll probably find a clause indicating that they report payment-deficits after 90 days.

Also, by carrying that balance, you're reducing the amount of available credit you have vs the total amount of credit you're carrying and inflating your debt-to-income ratio. That's a ding on your credit score.

Pay off all of your credit cards. There's no upside to carrying balances.
Oh, I pay the minimum amount each month. The balance left is around 5K. If you add up all the available credit I have available on all my credit cards, it's over 50K.