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 : Thu, 24 Apr 2014 17:43:01 GMT

What\’s your IQ on credit scores? – Standard-Examiner

 Check Your Credit Score
Credit.com News (blog)
 Check Your Credit Score
What's your IQ on credit scores?
Standard-Examiner
She told me that her husband's score was in the low 600s. There's lots of confusion "out there" on credit scores. Take the following true-false quiz to check your credit score IQ. (No peeking at the answers in advance!) 1. How much money you have in
5 ways to jump-start your credit scoreScoopSanDiego.com
What Your Credit Reports Won't Tell YouCredit.com News (blog)

all 7 news articles »

Publ.Date : Tue, 22 Apr 2014 23:16:57 GMT

Answers to your 10 most pressing credit card questions – MSN Money

 Check Your Credit Score
Credit.com News (blog)
 Check Your Credit Score
Answers to your 10 most pressing credit card questions
MSN Money
Levin suggests you take a look at your credit score as often as possible. Some credit card companies and banks are now providing credit scores free as part of their customers' monthly statement. A bill has also been introduced in Congress to give
Your Money: Credit score not perfect, but still worth bragging about at The Star-Ledger
Are Credit Scores Fair?Credit.com News (blog)
9 Ways People Harm Their Credit Card ScoreSiliconindia.com

all 14 news articles »

Publ.Date : Wed, 23 Apr 2014 22:14:56 GMT

Why You Should Check Your Credit Score Every 3 Months – Business Insider

 Check Your Credit Score
Business Insider
 Check Your Credit Score
Why You Should Check Your Credit Score Every 3 Months
Business Insider
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

and more »

Publ.Date : Thu, 17 Apr 2014 21:01:25 GMT

9 Ways To Destroy Your Credit Score – Business Insider

 Check Your Credit Score
Business Insider
 Check Your Credit Score
9 Ways To Destroy Your Credit Score
Business Insider
If card issuers notice you haven't been swiping, they may actually reduce your credit limit or close your account. To combat this, Ulzheimer recommends finding a non-problematic way to use your cards. "Pay for necessities, things you're going to have

and more »

Publ.Date : Wed, 23 Apr 2014 14:37:17 GMT

Clean Up Credit Before Finding New Apartment – Fox Business

 Check Your Credit Score
Clean Up Credit Before Finding New Apartment
Fox Business
Still looking at your credit reports, try to determine what you can do to improve your credit scores (you have to pay about $20 each to get your FICO scores at myFICO.com). You may boost your scores if you pay down your credit card balances, for example.

and more »

Publ.Date : Fri, 18 Apr 2014 19:25:47 GMT

6 ways to improve your credit – CNNMoney (press release)

 Check Your Credit Score
CNNMoney (press release)
 Check Your Credit Score
6 ways to improve your credit
CNNMoney (press release)
With so much riding on your credit history, it behooves you to check all three reports annually. You can do so for free once a year at AnnualCreditReport.com. At the same time, you'll want to make sure the details in the report are correct and

Publ.Date : Fri, 28 Mar 2014 18:09:58 GMT

Can too many credit cards hurt your credit score? – KOMO News

 Check Your Credit Score
Can too many credit cards hurt your credit score?
KOMO News
If you check your credit report once a year – as you should at annualcreditreport.com – and you see a whole bunch of old credit cards listed that you don't use anymore, you might be tempted to close those accounts. That will hurt your credit score. So

and more »

Publ.Date : Fri, 18 Apr 2014 20:30:10 GMT

Is Your Credit Score Ready for Mortgage Shopping? – DailyFinance

 Check Your Credit Score
Is Your Credit Score Ready for Mortgage Shopping?
DailyFinance
The National Consumer Law Center reports that research by consumer groups shows that up to 25 percent of consumer credit reports contain errors significant enough to cause a denial of credit. Finding unauthorized financial accounts listed on your

Publ.Date : Thu, 03 Apr 2014 10:14:39 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 :

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 14:49:00 GMT

What\’s your IQ on credit scores?
There’s lots of confusion “out there” on credit scores. Take the following true-false quiz to check your credit score IQ. (No peeking at the answers in advance!) 1. How much money you have in savings has an effect on your credit score. 2. A poor credit …
Publ.Date : Wed, 23 Apr 2014 00:45:00 GMT

Spring clean your wallet, finances
It’s the perfect time to not only spring clean your home, but also your finances. To get started, take a minute to check your credit score. Once each year, you can head to AnnualCreditReport.com and request a free copy of your credit report from each of …
Publ.Date : Sun, 20 Apr 2014 01:39:00 GMT

Personal finances, paperwork usually need spring cleaning, too
It’s the perfect time to not only spring clean your home, but also your finances. To get started, take a minute to check your credit score. Once each year you can head to AnnualCredit Report.com and request a free copy of your credit report from each of …
Publ.Date : Sun, 20 Apr 2014 02:02:00 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

Mobile-developed proteins in space; hurricane-resistant show home to debut 6 weeks ahead of season
Check your credit score IQ If you haven?t had a chance, check out the series I?m writing laying down the ins and outs of credit scores. Check back later today, and I?ll show you what practices hurt your score, followed tomorrow with a double shot of …
Publ.Date : Tue, 22 Apr 2014 08:00:00 GMT

Check your credit score for free – Experian, Trans Union or Equifax – it can affect your job!
Want to read something boring and yet so important, it’s scary? Pull your credit report. This single document can affect many things in your life from the interest rate you get when you buy a house or a car to the cost of your car insurance. It may even …
Publ.Date : Wed, 09 Sep 2009 17:00:00 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 : Thu, 24 Apr 2014 17:43:01 GMT

Your Money: Credit score not perfect, but still worth bragging about at … – The Star-Ledger

 Get Credit Score
Credit.com News (blog)
 Get Credit Score
Your Money: Credit score not perfect, but still worth bragging about at
The Star-Ledger
"His is an example of why sometimes getting the score isn't enough," she said. "It is also a good idea to get your free annual credit reports each year to make sure all the underlying data is correct, and it helps to get a breakdown of the factors
Answers to your 10 most pressing credit card questionsMSN Money
Demystifying Credit ScoresHuffington Post
The Laziest Ways to Improve Your CreditCredit.com News (blog)
Siliconindia.com
all 14 news articles »

Publ.Date : Wed, 23 Apr 2014 15:12:16 GMT

What\’s your IQ on credit scores? – Standard-Examiner

 Get Credit Score
Credit.com News (blog)
 Get Credit Score
What's your IQ on credit scores?
Standard-Examiner
"We want to buy a home but my friends are telling me that my husband's credit score is too low to get a loan." She told me that her husband's score was in the low 600s. There's lots of confusion "out there" on credit scores. Take the following true
5 ways to jump-start your credit scoreIdaho State Journal
What Your Credit Reports Won't Tell YouCredit.com News (blog)

all 7 news articles »

Publ.Date : Tue, 22 Apr 2014 23:16:57 GMT

9 Ways To Destroy Your Credit Score – Business Insider

 Get Credit Score
Business Insider
 Get Credit Score
9 Ways To Destroy Your Credit Score
Business Insider
There's one thing all of us know about our credit score: We don't want it to go down. Since lenders use these three digits to evaluate our creditworthiness and determine our interest rates, losing points on our score could cost us thousands of dollars

and more »

Publ.Date : Wed, 23 Apr 2014 14:37:17 GMT

Are Credit Scores Fair? – Credit.com News (blog)

 Get Credit Score
Are Credit Scores Fair?
Credit.com News (blog)
If you pay your rent and utility bills on time for decades, you could still have no credit history, because those things often aren't reported to credit bureaus. This can be particularly difficult for young people or immigrants just starting out ? how

Publ.Date : Thu, 24 Apr 2014 04:36:52 GMT

Don\’t Panic About Not Having a Credit Score – Fox Business

 Get Credit Score
Deseret News
 Get Credit Score
Don't Panic About Not Having a Credit Score
Fox Business
I'm 20 years old, and I'm trying to get out of debt. However … I'm a landlord, and if I had my choice between a tenant with no debt and no credit score and someone with a high credit score but lots of debt, I'd take the one who has no debt in a
Dave Ramsey says: Being debt-free beats having a high credit scoreDeseret News

all 3 news articles »

Publ.Date : Tue, 22 Apr 2014 15:10:04 GMT

9 Steps to Boost Your Credit Before You Buy – Forbes

 Get Credit Score
9 Steps to Boost Your Credit Before You Buy
Forbes
Whether your credit is in need of an overhaul or you're looking to preserve your stellar score, now is the time to address your creditworthiness so you can position yourself to get the best mortgage at the best rate. Here are 9 steps to take to

Publ.Date : Wed, 23 Apr 2014 00:14:23 GMT

Four tips for improving your credit score – al.com

 Get Credit Score
Four tips for improving your credit score
al.com
MOBILE, Alabama ? Now that you know what information is used to calculate your credit score, how lenders use the score and what you're doing that can bring that number down, let's talk about things you can do improve your score. … We talked about
Credit score scoop: How not to fall prey to predatory lending practicesThe Birmingham News – al.com

all 2 news articles »

Publ.Date : Wed, 23 Apr 2014 15:06:28 GMT

3 Credit Myths to Stop Believing Today – U.S. News & World Report (blog)

 Get Credit Score
3 Credit Myths to Stop Believing Today
U.S. News & World Report (blog)
Thanks to the Internet, you can find information on practically anything nowadays ? from how to keep your azaleas from dying, to what time your favorite restaurant closes, to how credit scores work. However, despite the combined efforts of personal

Publ.Date : Thu, 24 Apr 2014 12:47:28 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 :

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

How You Can Get Your Credit Score For Free
Keeping tabs on your credit score can be a big help in spotting problems or issues before they become severe. All too often, though, that information comes at a price. Requesting a copy of your FICO credit score can cost up to $20 each time, according to …
Publ.Date : Mon, 03 Mar 2014 16:00:00 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

Do you know where that seafood\’s been? Gulf Seafood Trace does
Get your credit score scoop If you?ve been reading along, I?ve tried in the past week to break down everything you want to know about your credit score, and the series concludes today with contact information for how to get started and a few helpful …
Publ.Date : Thu, 24 Apr 2014 08:00:00 GMT

Why Are Credit Scores So Confusing?
When you get your credit score, you?re no doubt most interested in the three-digit number that tells lenders whether or not you?re a good credit risk. But there?s more to getting your credit score than the actual score. Whether you buy your score …
Publ.Date : Fri, 18 Apr 2014 13:00:00 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 10:35:00 GMT

Get Your Credit Score Now
When you decide to purchase a car or house, or even rent an apartment or apply for a job, your credit score matters. So you don’t want to go into these transactions in the dark. You want to know how they will view your credit score because if it’s not up …
Publ.Date : Thu, 12 Feb 2009 16:00:00 GMT

Want a job? Better get your credit score up
Having a good credit score can do more than help people get loans, it can also help them get a job. But a bad credit score can be a huge hurdle for people looking for work, according to Fox Business. Having a good credit score can do more than help people …
Publ.Date : Wed, 25 Apr 2012 10:04:33 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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