# What's The Truth About Those "No Interest/No Payments" Sales?

**URL:** <https://boards.straightdope.com/t/whats-the-truth-about-those-no-interest-no-payments-sales/387279>\
**Category:** Factual Questions\
**Created:** [January 9, 2007, 12:31pm UTC](https://boards.straightdope.com/t/whats-the-truth-about-those-no-interest-no-payments-sales/387279 "2007-01-09T12:31:15Z")\
**Posts on this page:** 3\
**Page:** 3

<div class="post-metadata">

**Author:** ![Mr.Slant](https://avatars.discourse-cdn.com/v4/letter/m/c57346/32.png) [@Mr.Slant](https://boards.straightdope.com/u/Mr.Slant)\
**Post date:** [January 11, 2007, 2:15pm UTC](https://boards.straightdope.com/t/whats-the-truth-about-those-no-interest-no-payments-sales/387279/41 "2007-01-11T14:15:10Z")

</div>

[QUOTE=Kalhoun]  
I’ve never heard this before. Can you explain the difference and why Experian is bogus? I thought all the main reporting companies used the same scale, and that you were judged worthy or unworthy based on their numbers. What is FICO?  
[/QUOTE]

GFactor’s explanation and reference thread says everything I would have said on this.

---

<div class="post-metadata">

**Author:** ![Gfactor](https://avatars.discourse-cdn.com/v4/letter/g/9de053/32.png) [@Gfactor](https://boards.straightdope.com/u/Gfactor)\
**Post date:** [January 11, 2007, 2:45pm UTC](https://boards.straightdope.com/t/whats-the-truth-about-those-no-interest-no-payments-sales/387279/42 "2007-01-11T14:45:32Z")

</div>

Also, remember that in some parts of the credit world, your credit score gets incorporated into a broader credit grade or internal score. [mortgage point system? How does that work? - Factual Questions - Straight Dope Message Board](http://boards.straightdope.com/sdmb/showthread.php?t=323382)

---

<div class="post-metadata">

**Author:** ![Princhester](https://avatars.discourse-cdn.com/v4/letter/p/3e96dc/32.png) [@Princhester](https://boards.straightdope.com/u/Princhester)\
**Post date:** [January 12, 2007, 2:58am UTC](https://boards.straightdope.com/t/whats-the-truth-about-those-no-interest-no-payments-sales/387279/43 "2007-01-12T02:58:29Z")

</div>

[QUOTE=Kalhoun]  
Yes, but you’d pay the same price at that place if you didn’t do the interest-free loan. Don’t all the major Big Box stores have competitive plans?

Incidently, I think we only did a Big Box purchase once with this. We don’t invest much in electronics, and when we do, it’s usually something small. We did a TV this way, but most of our purchases are much smaller. Most of my “no interest” purchases are household items: carpeting, windows, a/c, furnace…that type of thing.  
[/QUOTE]

At what place?

[Previous page](https://boards.straightdope.com/t/whats-the-truth-about-those-no-interest-no-payments-sales/387279.md?page=2)