Get $100 Free by Starting to Save & My Credit Score Update

Start Saving – Get $100 Free

I was forwarded a link over the weekend that I wanted to share with everyone.  TD Ameritrade is offering a unique promotion that will give its customers a Free $100 for signing up and continually depositing money into their non-retirement savings account.  You can see the promotion details here.

The Fine Print

In essence, TD Ameritrade wants to promote the concept of savings, so if you deposit $100 a month into your account for 12 straight months, you will be given $100.  The account also has a small interest rate of .50% .  The interest rate is kind of weak, but if you are only going to deposit the minimum, you will still earn over 8% on your money for that first year.  For those that don’t mind opening an extra account to take advantage of a promotion, I say this is a worthwhile option.

My Credit Score Update

A couple of weeks ago I wrote about Liz Pulliam Weston’s discussion with Jim and JD on the Personal Finance Hour.  Since that discussion I have signed up for MyFico just to watch my credit score (with a free trial) and to see how things change.  I was shocked to see that my score was in the high 600s.  Last time I checked it was around 730 or so from one of the credit bureaus, but maybe that wasn’t my “real” score.

Having a score of  692 was a bit of a shot to my ego, but that is a decent score for someone who doesn’t have more than a few credit cards and is only 24 years old.  I also had a ding on my report for a late payment or two from before I figured out how to handle my student loans and my finances in general.

The Decrease

About two weeks ago I received an e-mail that my score had dropped by 17 points.  I was flabbergasted! The only thing that had changed was that I had built up about  $2000 in credit card bills over an extended period (I changed the billing date of my Amex and it basically meant that my bill was due 24 days later, almost a whole month!).

The Increase

Just as Liz said, my credit score will adjust itself quickly.  I paid off all of my cards in full, and sure enough my balance jumped back up 18 points to 693.  An almost 20 point swing, both positive and negative, seems quite large, I will be watching for as long as I can to learn more about credit scores and I will report my findings here.  Take a look at the chart below to see how MyFico tracks your score.

My Credit Score Tracking from MyFico

My Credit Score Tracking from MyFico

I am debating about buying the MyFico service to watch my score and report.  I probably don’t need it, but it would provide some interesting perspective over the course of a year.  Has anyone else used these services for an extended period and has anyone seen such large fluctuation within one month?

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Get $100 Free by Starting to Save & My Credit Score Update

Start Saving – Get $100 Free

I was forwarded a link over the weekend that I wanted to share with everyone.  TD Ameritrade is offering a unique promotion that will give its customers a Free $100 for signing up and continually depositing money into their non-retirement savings account.  You can see the promotion details here.

The Fine Print

In essence, TD Ameritrade wants to promote the concept of savings, so if you deposit $100 a month into your account for 12 straight months, you will be given $100.  The account also has a small interest rate of .50% .  The interest rate is kind of weak, but if you are only going to deposit the minimum, you will still earn over 8% on your money for that first year.  For those that don’t mind opening an extra account to take advantage of a promotion, I say this is a worthwhile option.

My Credit Score Update

A couple of weeks ago I wrote about Liz Pulliam Weston’s discussion with Jim and JD on the Personal Finance Hour.  Since that discussion I have signed up for MyFico just to watch my credit score (with a free trial) and to see how things change.  I was shocked to see that my score was in the high 600s.  Last time I checked it was around 730 or so from one of the credit bureaus, but maybe that wasn’t my “real” score.

Having a score of  692 was a bit of a shot to my ego, but that is a decent score for someone who doesn’t have more than a few credit cards and is only 24 years old.  I also had a ding on my report for a late payment or two from before I figured out how to handle my student loans and my finances in general.

The Decrease

About two weeks ago I received an e-mail that my score had dropped by 17 points.  I was flabbergasted! The only thing that had changed was that I had built up about  $2000 in credit card bills over an extended period (I changed the billing date of my Amex and it basically meant that my bill was due 24 days later, almost a whole month!).

The Increase

Just as Liz said, my credit score will adjust itself quickly.  I paid off all of my cards in full, and sure enough my balance jumped back up 18 points to 693.  An almost 20 point swing, both positive and negative, seems quite large, I will be watching for as long as I can to learn more about credit scores and I will report my findings here.  Take a look at the chart below to see how MyFico tracks your score.

My Credit Score Tracking from MyFico

My Credit Score Tracking from MyFico

I am debating about buying the MyFico service to watch my score and report.  I probably don’t need it, but it would provide some interesting perspective over the course of a year.  Has anyone else used these services for an extended period and has anyone seen such large fluctuation within one month?

7,813 Responses to Get $100 Free by Starting to Save & My Credit Score Update
  1. computer store
    April 20, 2019 | 5:41 am

    You made some nice points there. I looked on the internet for the subject and found most persons will agree with your blog.

  2. Zwangerschapsmasker
    April 20, 2019 | 6:17 am

    Nice post! Thank you.

  3. tinyurl.com
    April 20, 2019 | 12:54 pm

    Hey there would you mind stating which blog platform you’re using?
    I’m planning to start my own blog soon but I’m having a hard time deciding between BlogEngine/Wordpress/B2evolution and Drupal.
    The reason I ask is because your layout seems different then most blogs and I’m looking for something completely unique.
    P.S Apologies for being off-topic but I had to ask!

  4. Larhonda
    April 20, 2019 | 5:54 pm

    Its such as you learn my thoughts! You seem to understand so much approximately this, such as you wrote the e-book in it or something.
    I believe that you could do with a few percent to
    pressure the message home a little bit, however other than that, this is wonderful
    blog. An excellent read. I’ll definitely be back.

  5. tinyurl.com
    April 20, 2019 | 11:03 pm

    This is a topic which is close to my heart… Many thanks!
    Where are your contact details though?

  6. custom earring boxes
    April 20, 2019 | 11:48 pm

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    My blog site is in the exact same niche as yours and my visitors would genuinely benefit from
    some of the information you present here. Please let me know if
    this ok with you. Thank you!

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  7. tinyurl.com
    April 21, 2019 | 12:47 am

    Hi there, I wish for to subscribe for this blog to take hottest updates, thus where can i
    do it please assist.

  8. tinyurl.com
    April 21, 2019 | 1:38 am

    Amazing! Its actually remarkable piece of writing, I have got much clear idea regarding from
    this paragraph.

  9. Doug Aveline
    April 21, 2019 | 2:51 am

    Hey there. I came across your blog by way of Google whilst trying to find a related subject, your website got here up. It seems great. I have bookmarked it in my own google bookmarks ahead back then.

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  1. Bali Raw Chef Certification
  2. free porn
  3. تست دیاگ چیست
  4. دوربین مداربسته
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