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 : Mon, 15 Sep 2014 04:03:06 GMT

4 Mistakes That Can Kill Your Credit Score – U.S. News & World Report (blog)

 Check Your Credit Score
Credit.com News (blog)
 Check Your Credit Score
4 Mistakes That Can Kill Your Credit Score
U.S. News & World Report (blog)
In addition, Credit Karma, Credit Sesame and Quizzle all allow you to regularly check your credit score for free. By using these educational sites to monitor your credit regularly, you can ensure your information remains error-free and your credit
Are You Financially Ready to Buy a House?Credit.com News (blog)
Building up a credit historyMoneyExpert

all 4 news articles »

Publ.Date : Thu, 11 Sep 2014 12:56:04 GMT

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

 Check Your Credit Score
NerdWallet (blog)
 Check Your Credit Score
Credit Check: What's Your Credit Score?
Huffington Post
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
Surprising Things That Affect Your CIBIL Credit ScoreBusinessinsider India
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

Repairing your credit score; Waiting to claim Social Security benefits (Money … – The Oregonian – OregonLive.com

 Check Your Credit Score
Repairing your credit score; Waiting to claim Social Security benefits (Money
The Oregonian – OregonLive.com
Dear Liz: After a divorce, I had to start my life over at 62. I got three credit cards. Somehow, I failed to see the online bills for one of them and neglected to pay it. The company didn't contact me until three months had passed. I got a letter

and more »

Publ.Date : Fri, 12 Sep 2014 00:04:05 GMT

How to rehabilitate your credit scores after failing to pay a bill – Los Angeles Times

 Check Your Credit Score
How to rehabilitate your credit scores after failing to pay a bill
Los Angeles Times
Dear Liz: After a divorce, I had to start my life over at 62. I got three credit cards. Somehow, I failed to see the online bills for one of them and neglected to pay it. The company didn't contact me until three months had passed. I got a letter

Publ.Date : Sun, 07 Sep 2014 12:00:41 GMT

How Do Inquiries Affect My Credit Score? – Boston.com

 Check Your Credit Score
How Do Inquiries Affect My Credit Score?
Boston.com
In some cases, inquiries you did not solicit may appear on your credit report. Even though you did not approve these inquiries, they will still harm your score if they are not removed. For this reason, it is important to check your credit score

and more »

Publ.Date : Fri, 12 Sep 2014 02:10:30 GMT

Checking Your Credit Report – CBS Local

 Check Your Credit Score
Independent Online
 Check Your Credit Score
Checking Your Credit Report
CBS Local
BOSTON (CBS) ? I'll bet every time I have suggested that you get copies of your free credit reports you have made a mental note to check yours. It's on that To … Now you can get your credit report for free but you will need to pay for a copy of your
Your credit reportIndependent Online

all 3 news articles »

Publ.Date : Wed, 03 Sep 2014 14:25:38 GMT

3 Sneaky Things Hurting Your Credit (That You Can Easily Fix) – DailyFinance

 Check Your Credit Score
DailyFinance
 Check Your Credit Score
3 Sneaky Things Hurting Your Credit (That You Can Easily Fix)
DailyFinance
The third sneaky thing that could hurt your credit score could be outstanding or delinquent bills. I canceled a gym membership when I moved, and it wasn't until I checked my credit report several years later that I found out the gym was marking me as

and more »

Publ.Date : Wed, 03 Sep 2014 10:12:31 GMT

What to Consider When Deciding on a Credit Card Upgrade or Downgrade – Huffington Post

 Check Your Credit Score
What to Consider When Deciding on a Credit Card Upgrade or Downgrade
Huffington Post
Even with a ding from a credit check, you're not going to do much damage to your score by upgrading, unless this card is the oldest or only card in your wallet and the bank reports the upgrade as a closed and reopened account. Credit history accounts
Young Adults Have Basically No Clue How Credit Cards WorkTIME

all 90 news articles »

Publ.Date : Wed, 10 Sep 2014 21:08:10 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 :

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 : Sat, 06 Sep 2014 01:00:00 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 17:30:00 GMT

You Can Now Check Your Credit Using Mint
Mint is a great online budgeting tool; in fact, it’s a reader favorite. And the site has just announced a new feature that lets you check your credit score. In a blog post on the addition, Mint explained that the service is completely free and requires no …
Publ.Date : Wed, 10 Sep 2014 04:53:00 GMT

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

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

All you need to Know About Car Loans Pre-Approved About
Before you set foot into a dealer, you should check your credit score, take any steps to correct it and then comparison shop for the best auto loan rates available.
Publ.Date : Sun, 14 Sep 2014 16:28:00 GMT

Check your credit score Friday
Wood County UW-Extension Family Living is promoting the “Check Your Free Credit Report Campaign: 2/2, 6/6, 10/10,” to remind people to view their three free reports each year on Feb. 2, June 6 and Oct. 10. Each date represents a day to set aside five …
Publ.Date : Mon, 02 Jun 2014 17:15:00 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 03:41:00 GMT




My Credit Scores
Get Credit Score

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 : Mon, 15 Sep 2014 03:27:24 GMT

4 Mistakes That Can Kill Your Credit Score – U.S. News & World Report (blog)

 Get Credit Score
Credit.com News (blog)
 Get Credit Score
4 Mistakes That Can Kill Your Credit Score
U.S. News & World Report (blog)
You've worked hard to build a respectable credit score ? the last thing you'd want is for a few mistakes to ruin your history for years to come. As you make financial decisions on a daily basis, keep these mistakes in mind, and do your best to avoid them.
Building up a credit historyMoneyExpert
Are You Financially Ready to Buy a House?Credit.com News (blog)

all 4 news articles »

Publ.Date : Thu, 11 Sep 2014 12:56:04 GMT

Is There Such a Thing As a Free Credit Score? – Motley Fool

 Get Credit Score
PFhub
 Get Credit Score
Is There Such a Thing As a Free Credit Score?
Motley Fool
For example, if you have certain Discover credit cards, the company will provide your FICO score from one of the major credit bureaus as part of your "perks," just like some cards give you frequent flyer miles. But other than that, it costs money to
Crunching the credit-score numbersazcentral.com
There are no shortcuts, but you can boost your credit scoreHeraldNet

all 10 news articles »

Publ.Date : Sun, 14 Sep 2014 18:16:22 GMT

The simple way to improve your credit – Washington Post

 Get Credit Score
Boston Globe
 Get Credit Score
The simple way to improve your credit
Washington Post
Here's what many people don't seem to get about the credit scoring models. They are fluid, not static. As you pay your bills on time and pay off debt, you are contributing to the upward mobility of your credit as often as your creditors report what you
What FICO's New Credit Score Formula Means for Home BuyersFox Business
No shortcuts to boost your credit scoreBoston Globe
FICO Changes Expected To Boost Credit Scores, Lower Consumer Mortgage The Mortgage Reports (blog)
TheStreet.com
all 15 news articles »

Publ.Date : Thu, 11 Sep 2014 14:40:15 GMT

How to Get the Best Possible Credit Score – Boston.com

 Get Credit Score
How to Get the Best Possible Credit Score
Boston.com
Did you know that the credit score that you receive when checking the ?free? credit sites or the score on your credit card statement is NOT the same credit score that lenders will see when they are checking your credit score? These free scores are

Publ.Date : Thu, 11 Sep 2014 15:20:23 GMT

Column:Taking the mystery out of credit scores – Marshfield News-Herald

 Get Credit Score
Marshfield News-Herald
 Get Credit Score
Column:Taking the mystery out of credit scores
Marshfield News-Herald
Credit scores are important because they can affect your ability to qualify for a low-cost loan or insurance policy, rent an apartment, buy a new phone, get an instant department credit card or find a job. Credit scores are designed to predict risk
The bill that could radically improve your credit scoreWashington Post
Proposed Bill Would Make Drastic Changes to Credit Reports and Credit ScoresHuffington Post
House Financial Services Subcommittee on Financial Institutions and Consumer Insurance News Net

all 25 news articles »

Publ.Date : Fri, 12 Sep 2014 10:00:10 GMT

Repairing your credit score; Waiting to claim Social Security benefits (Money … – The Oregonian – OregonLive.com

 Get Credit Score
Repairing your credit score; Waiting to claim Social Security benefits (Money
The Oregonian – OregonLive.com
Dear Liz: After a divorce, I had to start my life over at 62. I got three credit cards. Somehow, I failed to see the online bills for one of them and neglected to pay it. The company didn't contact me until three months had passed. I got a letter

and more »

Publ.Date : Fri, 12 Sep 2014 00:04:05 GMT

Six Reasons to Like Credit Karma, Quizzle and Credit Sesame – SavingAdvice.com

 Get Credit Score
SavingAdvice.com
 Get Credit Score
Six Reasons to Like Credit Karma, Quizzle and Credit Sesame
SavingAdvice.com
If you want to find out your credit score these days, it's a lot easier than it was even a few years ago. With sites like Credit Karma, Quizzle and Credit Sesame, you can find out your credit score by simply signing up with their website. This is

Publ.Date : Sat, 13 Sep 2014 16:02:37 GMT

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

 Get Credit Score
NerdWallet (blog)
 Get Credit Score
Credit Check: What's Your Credit Score?
Huffington Post
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 Adjusts Credit Score ComputationNews For Shoppers
Investopedia -Businessinsider India -AGBeat
all 18 news articles »

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

Get your credit score online
As of today, Australians can check their credit score online. The website, https://www.getcreditscore.com.au/, allows Australians to check their credit score and see what the banks know about their financial situation. If you score between 833 and 1200 …
Publ.Date : Tue, 02 Sep 2014 03:21:00 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 11:56:00 GMT

5 Ways to Think Like a Rich Person
One of the first places to start is to build a strong credit score, which will allow you to borrow strategically at lower interest rate. You can get your credit score along with a personal action plan for your credit for free at Credit.com.
Publ.Date : Fri, 12 Sep 2014 06:45:00 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 12:00:00 GMT

How to Get Your Credit Score
(MCT)?By now, most of us understand the importance of a credit score. Mortgage lenders, credit card issuers and, in some cases, insurance companies use this measure of creditworthiness to determine availability and cost of their products. Some employers …
Publ.Date : Wed, 24 Jul 2013 23:59:00 GMT

Denied Credit? At Least You Get Your Credit Score for Free
New rules from the Federal Reserve Board (FRB) and Federal Trade Commission (FTC) will soon require that consumers who are denied credit receive free credit scores. The new rules will also apply to consumers whose existing loan terms become less favorable …
Publ.Date : Sat, 09 Jul 2011 08:20:00 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 16:23:00 GMT

Steps to get your credit score online
Form: The application for the CIR and credit score can be made online on Cibils website cibil.com/online/credit-score-check.do. Information: The name, date of birth, address and contact information need to be filled. The address in the online application …
Publ.Date : Sun, 21 Oct 2012 22:02:00 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.

Copyright © 2014 mycreditscores.net. All Rights Reserved.