Check Your Credit Score




money2 150x150 Check Your Credit Score

Check Your Credit Score before you apply for a credit card, mortgage or loan. Checking your credit score before negative factors in your credit report can impair your ability to get credit is the first step to ensuring your credit health.

A credit score range above 720 means that you will have access to the widest variety of credit products with the best interest rates. A credit bureau score below 700 means that you will pay a higher interest rate and additional fees to borrow money and increases the likelihood that you will be turned down for credit.

One of the unfortunate results of the financial crisis that began in 2008 is that the credit score rating required to qualify for the best loans has gotten progressively higher, so that credit scores that would have been considered optimal in prior years are no longer sufficient to be considered a good credit risk. So, it is important that you know how to get your credit score so you can improve your credit score and fix errors in your credit report before you are denied credit.

Your credit score information is issued by the three national credit reporting bureaus – Equifax, Experian and TransUnion. When you apply for a loan, your potential creditor will check your credit rating scores issued by one of the 3 credit score companies. Unfortunately, the information contained in the credit report issued by one credit rating bureau may be different from the credit reports issued by the other bureaus. For example, your Experian and TransUnion reports may correctly show a car loan as having been paid, while your Equifax report may erroneously show the auto loan as still outstanding. In this example, your credit rating issued by Equifax would be substantially lower than your Experian and TransUnion scores. If the lender happened to order your credit history from Equifax, you might be turned down for the loan. Or you might be required to pay additional points or borrow at a higher interest rate, costing you hundreds of dollars in additional payments.

It is important that when you order your online credit score, you make sure that you are ordering your credit scores from all 3 credit bureaus.

Many consumers are pleased with the Free Triple Credit Score provided by CreditScore360, which includes all three credit scores issued by Experian, TransUnion and Equifax. Here is a link to their site:

Get your Free Credit Scores from all 3 Bureaus Check Your Credit Score

Here is additional information on How to Check Your Credit Score:

news Check Your Credit Score

Updated : Fri, 22 Aug 2014 08:55:36 GMT

Credit Check: What\’s Your Credit Score? – Huffington Post (blog)

 Check Your Credit Score
NerdWallet (blog)
 Check Your Credit Score
Credit Check: What's Your Credit Score?
Huffington Post (blog)
You're allowed to check your credit score for free once a year from the three major credit reporting agencies, TransUnion, Experian and Equifax. The best way to structure this is to check one report every four months. For example, you might check
Will FICO 9 Fix My Medical Debt?NerdWallet (blog)
5 Common myths that may be affecting your business credit scoreAGBeat

all 18 news articles »

Publ.Date : Tue, 19 Aug 2014 23:34:48 GMT

3 Reasons to Check Your Credit Reports Regularly – Credit.com News (blog)

 Check Your Credit Score
Credit.com News (blog)
 Check Your Credit Score
3 Reasons to Check Your Credit Reports Regularly
Credit.com News (blog)
Are you afraid to check your credit reports and scores because you are concerned that doing so will lower your scores? It's a worry we hear all the time from consumers. But what if you learned that checking your credit won't hurt your credit scores

Publ.Date : Wed, 20 Aug 2014 04:10:14 GMT

How to improve credit score where better credit is due – USA TODAY

 Check Your Credit Score
USA TODAY
 Check Your Credit Score
How to improve credit score where better credit is due
USA TODAY
That's the first step in fixing your credit. Here are three steps to help you repair your credit score. Check your credit report ? for free! Go to www.annualcreditreport.com to request a free copy of your credit report from each of the three major
Credit score confusion and navigating changesWFLA
Get a Free Credit Report More Than Once a YearKiplinger Personal Finance

all 25 news articles »

Publ.Date : Sun, 10 Aug 2014 13:03:35 GMT

Credit History Can Drive Your Auto Premiums – Wall Street Journal

 Check Your Credit Score
Wall Street Journal
 Check Your Credit Score
Credit History Can Drive Your Auto Premiums
Wall Street Journal
(Generally insurers don't check your credit every time they renew your policy. Mr. Tonack's carrier likely was instituting a new credit-based pricing policy.) For his part, Mr. Tonack, the Oregon man with no credit history, decided to build one by

and more »

Publ.Date : Sun, 17 Aug 2014 00:08:21 GMT

New to U.S.? A Primer on How to Create, Build Credit History – Fox Business

 Check Your Credit Score
Credit.com News (blog)
 Check Your Credit Score
New to U.S.? A Primer on How to Create, Build Credit History
Fox Business
Get a copy of your credit report (free from annualcreditreport.com) and your current FICO score (about $20 per report) in about six months. This is your starting point. Check both again in another six months. You should note increased activity on the
Credit Checks Can Be Less Harmful Than You ThinkMotley Fool
Why You Shouldn't Get Too Excited About the New FICO Score… YetCredit.com News (blog)
How FICO09 Could Increase HomeownershipRisMedia.com (press release)

all 15 news articles »

Publ.Date : Fri, 15 Aug 2014 14:52:36 GMT

These Are the 5 Best Ways to Improve Your Credit Score – TIME

 Check Your Credit Score
Credit.com News (blog)
 Check Your Credit Score
These Are the 5 Best Ways to Improve Your Credit Score
TIME
… widely-used FICO credit scores could help boost scores for the millions of Americans with medical debt collections as well as those with a settled debt collection lingering on their report, but there is a lot we can also do to help raise those
The New FICO Score: Better for Debtors?Credit.com News (blog)
FICO Recalibrates Its Credit ScoresWall Street Journal
New FICO Score Model Could Boost Credit for Millions ? Medical Bills in FocusNerdWallet (blog)
Yahoo Finance (blog)
all 247 news articles »

Publ.Date : Mon, 11 Aug 2014 03:52:08 GMT

Everything You Need to Know About Medical Bills on Your Credit Report – NerdWallet (blog)

 Check Your Credit Score
NerdWallet (blog)
 Check Your Credit Score
Everything You Need to Know About Medical Bills on Your Credit Report
NerdWallet (blog)
Compare your Explanation of Benefits against your medical bill to check for mistakes. … What's more, collections can take up to seven years to drop off of your credit report, although its impact on your credit score will lessen over time. In short

Publ.Date : Tue, 19 Aug 2014 18:08:19 GMT

How to improve your credit score after late payments – Today.com

 Check Your Credit Score
Credit.com News (blog)
 Check Your Credit Score
How to improve your credit score after late payments
Today.com
Having a debt go into collections will stay on your credit report for up to seven years. Yet, many consumers may not be aware of late payments and unpaid debts until they check their credit report. That's the first step in fixing your credit. Here are
How to Fix Your Credit Score When Buying a HomeCredit.com News (blog)
5 Common Credit MythsHuffington Post
Millennials: Prevent a Bad Credit ScoreInvestopedia

all 7 news articles »

Publ.Date : Tue, 05 Aug 2014 13:25:48 GMT

Here is more information on checking your credit scores. Come back daily for the latest information on ways to improve your credit report and score.

rsslogo Check Your Credit Score

Updated :

Got medical debt? Your FICO credit score may go up
If you have loads of medical debt in collections, you could see your credit score go up soon. FICO, the nation’s top credit score provider, is introducing a new scoring model this fall where medical debt in collections will have less of an impact on a …
Publ.Date : Fri, 08 Aug 2014 01:32:00 GMT

9 simple money moves you can make in under 10 minutes
Time it takes: Less than 5 minutes. 2. Check your credit score. Roughly half of Americans don’t know their credit score, which is like the financial equivalent of not knowing your Social Security number. Since it affects the kind of interest rates you’ll …
Publ.Date : Thu, 21 Aug 2014 06:11:00 GMT

How to check your credit score
Credit scores can be a scary thing. In a nutshell, they?re a specific number credit bureaus assign to you, one that quickly encapsulates your entire credit history and assesses your financial credibility as an individual. Although they?re merely …
Publ.Date : Sun, 29 Dec 2013 16:00:00 GMT

How to Check Your Credit Score for Free
The Fair Credit Reporting Act required consumer reporting agencies, like credit bureaus, to provide their records of you at least once ever twelve months. Since your credit report, and credit score, as so important in your financial life, it makes sense …
Publ.Date : Sun, 31 Oct 2010 17:00:00 GMT

Why You Should Check Your Credit Score Every 3 Months
We’re all pretty clear by now on the fact that our credit score is important, and we need to stay on top of it. Those three digits can determine not only whether we get major loans ? like a mortgage ? but also the interest rate we’ll pay. The …
Publ.Date : Thu, 17 Apr 2014 13:05:20 GMT

9 easy money moves you can make in 10 minutes or less
Time it takes: Less than 5 minutes. 2. Check your credit score. Roughly half of Americans don’t know their credit score, which is like the financial equivalent of not knowing your Social Security number. Since it affects the kind of interest rates you’ll …
Publ.Date : Tue, 19 Aug 2014 14:01:00 GMT

No, Your Employer Can\’t Check Your Credit Score ? But Here\’s What It Can See
Your three-digit credit score is a go-to indication of your trustworthiness that banks, credit card issuers, and car dealerships all use to help predict the likelihood of you repaying a loan. But it’s of little use to the company that wants to give you a job.
Publ.Date : Wed, 28 May 2014 00:06:06 GMT

DR 100: 100 Ways to Improve Your Finances (Most in Under 10 Minutes)
Read: How to Get Your Free Credit Report 12. Check your credit score: Your free credit report does not come with your credit score. Fortunately, there are a number of ways to get access to your credit score for free or little cost. Particularly if you plan …
Publ.Date : Thu, 21 Aug 2014 20:32:00 GMT




My Credit Scores
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Get Credit Score

Get Credit Score From TransUnion, Equifax And Experian In Seconds!


money12 123x150 Get Credit Score

How to Get Credit Score


You can get your credit score for free at a number of online credit score sites. These credit score companies provide an instant credit score from one of the three credit reporting agencies – Equifax, Experian and TransUnion.

Additionally, certain online providers provide you with all 3 credit scores — that is, a credit bureau score issued by each of the 3 national credit reporting companies.

Your credit score is the primary means by which credit card companies, banks, auto loan companies and insurers figure out how likely you are to pay your bills on time. Additionally, many employers check your credit score as a condition of employment. A good credit report score can save you thousands on interest payments, and may be the difference in securing a particular job over a similarly qualified candidate. A poor credit score will limit your access to the best loan products and deny you the best interest rates.

It is important that you review your credit report scores issued by all 3 credit bureaus, as the information reflected in the credit score issued by one credit reporting agency may not be reflected in the credit scores issued by the other credit score bureaus.

Generally, you get your credit bureau score for free by signing up for a risk-free trial to an identity protection or credit score monitoring service. Many consumers find the credit monitoring service to be useful. But if you check it out and decide that it’s not for you, remember to cancel prior to the end of the trial period so that you will not be charged.

Many consumers are pleased with the Free Triple Credit Score provided by CreditScore360, which includes all three credit scores issued by Experian, TransUnion and Equifax. Here is a link to their site:

Get your Free Credit Scores from all 3 Bureaus Get Credit Score

Here is the latest Get Credit Score news (plus useful information on how to improve your credit score or fix your credit score):

news Get Credit Score

Updated : Fri, 22 Aug 2014 08:55:37 GMT

3 Ways to Improve Your Credit Score in Less Than 5 Minutes – Huffington Post (blog)

 Get Credit Score
3 Ways to Improve Your Credit Score in Less Than 5 Minutes
Huffington Post (blog)
If you are looking to buy a car, rent an apartment or take out a loan, you need to make sure that your credit score is at it's best. While it takes seven years for most derogatory items on your credit report to be removed, there are a few things you
3 Things That Won't (Or At Least Shouldn't) Affect Your Mortgage Pre-ApprovalThe Consumerist

all 4 news articles »

Publ.Date : Wed, 20 Aug 2014 16:52:59 GMT

Credit Check: What\’s Your Credit Score? – Huffington Post (blog)

 Get Credit Score
NerdWallet (blog)
 Get Credit Score
Credit Check: What's Your Credit Score?
Huffington Post (blog)
Length of credit history — The longer your credit history, the better, as a long (positive) credit history demonstrates that you can be trusted to make regular timely payments. This accounts for 15 percent of your score. New credit — Opening, or
Will FICO 9 Fix My Medical Debt?NerdWallet (blog)
Don't Expect Big Score Boost When Unpaid Debt Falls Off Credit ReportFox Business
FICO Credit Score Changes ? Will Yours Go Up?Investopedia
SavingAdvice.com -AGBeat -Auto Credit Express (blog)
all 18 news articles »

Publ.Date : Tue, 19 Aug 2014 23:34:48 GMT

Credit Karma – Are There Strings Attached To Free Reports And Scores? – WFMY News 2

 Get Credit Score
Credit Karma – Are There Strings Attached To Free Reports And Scores?
WFMY News 2
But that three digit number can affects everything from how much you pay for car insurance and a home loan to whether you get the job you just applied for. Credit Karma now says it will give you your credit report for free. That's in addition to your

Publ.Date : Thu, 21 Aug 2014 00:37:03 GMT

Getting Your Student a Credit Card – Fox Business

 Get Credit Score
Getting Your Student a Credit Card
Fox Business
They should, however, receive credit for the positive information associated with the account, such as a stellar payment history. Just make sure your issuer reports its authorized users to the credit bureaus. If they're not doing so, "it's like the

and more »

Publ.Date : Tue, 19 Aug 2014 12:43:18 GMT

How to improve credit score where better credit is due – USA TODAY

 Get Credit Score
USA TODAY
 Get Credit Score
How to improve credit score where better credit is due
USA TODAY
Paying even a month late on your credit card bill can hurt your credit score. Failing to make a payment altogether?even just a library fine?has a much more adverse impact. Having a debt go into collections will stay on your credit report for up to
Credit score confusion and navigating changesWFLA
FICO is changing the rules on medical billsWDBJ7
Finally, Some Good News About Your Credit ScoreTIME
Kiplinger Personal Finance -Chattanooga Times Free Press -WFMZ Allentown
all 25 news articles »

Publ.Date : Sun, 10 Aug 2014 13:03:35 GMT

It\’s All About The Numbers: Why Credit Is Important–to Your Insurance, And … – Insurance News Net

 Get Credit Score
It's All About The Numbers: Why Credit Is Important–to Your Insurance, And
Insurance News Net
A good credit history can result in getting that dream job, lower interest rates on car loans and mortgages, and better rates on your insurance, according to the Insurance Information Institute (I.I.I.). With a solid credit rating in hot markets like
Credit Card Life After BankruptcyFox Business
Information you can bank onChicago Tribune

all 6 news articles »

Publ.Date : Thu, 21 Aug 2014 19:14:37 GMT

Your credit score could go up without you lifting a finger – Washington Post (blog)

 Get Credit Score
Wall Street Journal
 Get Credit Score
Your credit score could go up without you lifting a finger
Washington Post (blog)
The most widely used credit score is getting a makeover that could help millions of Americans qualify for better interest rates on mortgages, auto financing and student loans, saving them thousands of dollars. Starting this fall, a new version of the
Why your credit score might soon get a boostFortune
These Are the 5 Best Ways to Improve Your Credit ScoreTIME
Big changes coming for your FICO credit scoresThe Tennessean
CNNMoney -Wall Street Journal -The Consumerist
all 247 news articles »

Publ.Date : Fri, 08 Aug 2014 19:27:16 GMT

New to U.S.? A Primer on How to Create, Build Credit History – Fox Business

 Get Credit Score
Investopedia
 Get Credit Score
New to U.S.? A Primer on How to Create, Build Credit History
Fox Business
I have just been to the United States and know almost nothing about credit scores and reports. I have a couple of questions: Do I need to open credit report account, or when I get a credit card is my information automatically gathered and sent to the
What Do Credit Score Ranges Mean?Investopedia
5 Things Excellent Credit Can Do for YouHuffington Post
Changes could help boost credit scores for millionsFort Worth Star Telegram
Motley Fool -Credit.com News (blog) -NASDAQ
all 15 news articles »

Publ.Date : Fri, 15 Aug 2014 14:52:36 GMT

Here is more news and information on how to get your credit score, plus other advice and tips on improving your credit.

rsslogo Get Credit Score

Updated :

ABCs of a Great Car Loan
You can get a free credit report once a year from each of the big-three credit bureaus at www.annualcreditreport.com, but you usually have to pay $6 or so to get your credit score. FICO scores, the most popular flavor, range from 300 to 850. About half of …
Publ.Date : Mon, 18 Aug 2014 23:11:00 GMT

Yes, You Actually Can Get Your Credit Score For Free (Here\’s How)
I’ve never understood why the credit score and credit monitoring business is so huge. They’ve attempted to make sexy something that is a) not sexy at all and b) quite straightforward. If you always ? or even mostly ? pay your bills on time, don’t have …
Publ.Date : Wed, 16 May 2012 06:23:07 GMT

Here\’s how to clean up your finances post-summer vacation
You can also go one step further and get your credit score for an additional $20. That’s a number that’s calculated based on the information in your credit report, which lenders use to decide if they want to give you a loan. If your score is below 650 …
Publ.Date : Sat, 16 Aug 2014 03:00:00 GMT

Credit Karma – Are There Strings Attached To Free Reports And Scores?
That is true. And Credit Karma is free to send you emails and banner ads. Credit Karma says you can opt out of the marketing anytime and still get your credit score and report. They also promise to not share your information. So how often can you get your …
Publ.Date : Wed, 20 Aug 2014 13:05:00 GMT

3 Ways You Can Get Your Credit Score for Free
Lenders and some service providers use your credit history as part of their decision to do business with you. Credit scores (numbers based on the information in your credit history) are an easy way for those people to understand how risky a borrower you …
Publ.Date : Mon, 04 Aug 2014 02:56:15 GMT

Get your credit score free
And that’s too bad, because your credit score is really what lenders use to figure out your creditworthiness. The higher your score, the more likely you are to qualify for the lowest rates when buying a car or house or signing up for a credit card.
Publ.Date : Sun, 09 May 2010 06:30:42 GMT

Get Your Credit Score for Free
COLUMBUS, GA (WTVM) – “The higher your credit score, the more credit worthy you are and the more favorable terms that you receive,” explains Dr. Norman Godwin, C.P.A. and Auburn University Director of the School of Accountancy. When it comes to credit …
Publ.Date : Tue, 10 Aug 2010 09:35:00 GMT

How to get your credit score for free
My last column looked at factors that contribute to your credit score and noted that lenders rely on that score more than ever. This story continues on our new premium website for subscribers, MyAJC.com.
Publ.Date : Fri, 04 Apr 2014 19:35:36 GMT


Free Credit Score
Find My Credit Score

My Credit Score


What is My Credit Score?

Your credit score is reviewed by banks, credit card issuers, auto loan companies, insurers and even employers to figure out your creditworthiness – that is, how likely you are to pay your bills on time. A good credit score can save you thousands of dollars on interest payments and bank fees.

Your credit score is issued by each of the three credit bureaus – Equifax, Experian and TransUnion. It is important that you review your credit scores issued by all three credit reporting agencies, as the information reflected in the credit score issued by one credit bureau may not be reflected in the credit score issued by another.


What is the Credit Score Range?

Credit scores range from 349-849 with 723 being the national average. If your credit score is 720 or above, you are generally considered by lenders to be among the best of credit risks and are most likely to receive a better interest rate. Because of increased scrutiny by banks and credit card issuers in determining who qualifies for their best rates, it is increasingly important to make sure that you do all that you can to ensure that you have the highest possible credit score before applying for a mortgage, car loan or other extension of credit. This includes checking for errors in your credit report and taking steps recommended by financial experts to improve your credit score.


What determines My Credit Score?

The principal factors in determining your credit score are your bill-paying history (that is, whether you have paid your bills on time), your credit utilization ratio (or your credit balance as a percentage of your total available credit), the number of inquiries on your credit report and the types of credit on your credit report (for example, credit reports listing a mortgage, auto loan and credit card may earn a higher credit score than a credit report listing only credit cards).


How often should I review My Credit Score?

Most financial experts recommend that you review your credit scores and credit reports frequently to find and fix errors before they can negatively affect your ability to get credit. Additionally, reviewing your credit report and credit score may alert you to early signs of identity theft.

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