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, 17 Apr 2014 17:24:03 GMT

Can You Really Repair Your Own Credit for Free? – Credit.com News (blog)

 Check Your Credit Score
Credit.com News (blog)
 Check Your Credit Score
Can You Really Repair Your Own Credit for Free?
Credit.com News (blog)
Check Your Credit Before Consolidating Debt Check Your Credit Before Consolidating DebtGet your FREE Credit Score and personalized Analysis. See where you stand & learn ways to better manage your score before consolidating your debt. Get Started.
American Consumer Credit Counseling Highlights the Importance of Credit Insurance News Net (press release)

all 8 news articles »

Publ.Date : Tue, 15 Apr 2014 04:32:32 GMT

Do These 3 Things to Improve Your Credit Health – U.S. News & World Report (blog)

 Check Your Credit Score
Credit.com News (blog)
 Check Your Credit Score
Do These 3 Things to Improve Your Credit Health
U.S. News & World Report (blog)
You don't have to pay for it ? there are several resources for free credit score monitoring. Credit report. This is a quarterly ? not monthly ? task. Each quarter, go to AnnualCreditReport.com and check your full credit report from one of the three
What's in My Credit Report?Credit.com News (blog)

all 11 news articles »

Publ.Date : Thu, 10 Apr 2014 12:46:51 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

Not All Free Credit Scores are Created Equal – Fox Business

 Check Your Credit Score
Credit.com News (blog)
 Check Your Credit Score
Not All Free Credit Scores are Created Equal
Fox Business
However, many of these free scores aren't calculated the same way as the ones lenders may pull for your next auto loan, mortgage or even credit card, but they can still help you monitor your general credit standing. This is not to say that the free
What Is My Real Credit Score?Credit.com News (blog)
Here's the Real Score: Big Data Knows Everything About You!NBCNews.com
When Big Data Becomes Big BrotherThe Fiscal Times

all 19 news articles »

Publ.Date : Tue, 08 Apr 2014 21:06:20 GMT

Get your house in order: Repairing your credit before you buy a home – Fox News

 Check Your Credit Score
Get your house in order: Repairing your credit before you buy a home
Fox News
Credit bureaus don't all get the same data, and each of the major three can paint a very different picture of your credit history. So it is important to check out all three credit reports if you are looking to buy a home. Even if you're not planning on

Publ.Date : Sat, 05 Apr 2014 13:23:34 GMT

7 Credit Score \’Facts\’ That Are Plain Wrong – Motley Fool

 Check Your Credit Score
7 Credit Score 'Facts' That Are Plain Wrong
Motley Fool
In fact, in 2013, the Federal Trade Commission reported that one in four consumers in a study had found errors in their credit reports that were sufficiently serious to materially affect their scores. This means one thing. It's vital that you check

Publ.Date : Sat, 12 Apr 2014 19:03:07 GMT

5 Easy Ways to Ruin a Perfect Credit Score – The Fiscal Times

 Check Your Credit Score
The Fiscal Times
 Check Your Credit Score
5 Easy Ways to Ruin a Perfect Credit Score
The Fiscal Times
If you charge everything on one card ? for convenience or to rack up rewards points ? and then pay off everything when you get your bill, you may still be doing damage to your credit score. Most credit … You don't check your credit reports on a

and more »

Publ.Date : Mon, 24 Mar 2014 17:19:02 GMT

How Your Credit Score and Credit Report Are Examined by Lenders – Huffington Post

 Check Your Credit Score
How Your Credit Score and Credit Report Are Examined by Lenders
Huffington Post
You need a solid credit report for at least a few years in order to apply for more complicated loans such as a mortgage. When you apply, your credit report will be pulled up and analyzed in detail. Lenders look at your payment history, how much of your

Publ.Date : Tue, 25 Mar 2014 15:07:50 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.

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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 : 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

Credit Karma\’s New App Lets You Check Your Credit Score On The Fly
Now iPhone users can monitor their credit activity and check their credit score at will with Credit Karma’s new app, Credit Karma Mobile. Here’s a look at what all the app offers: Beyond providing unlimited access to your score, CreditKarma’s app will …
Publ.Date : Tue, 17 Jul 2012 17:00:00 GMT

Why you should check your credit score
It is important to understand that there are things that you can do in order to improve your credit score but it is also very easy to have a false sense of security about your ?excellent? credit rating. Ways of improving your credit score are to ensure …
Publ.Date : Wed, 26 Mar 2014 10:37:41 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

Check your credit score before applying for that loan
SummaryEarlier, lenders had to rely on their own internal assessment of a customer before sanctioning loans or even credit cards. Earlier, lenders had to rely on their own internal assessment of a customer before sanctioning loans or even credit cards.
Publ.Date : Fri, 20 Apr 2012 21:25:00 GMT

Why Banks Check Your Credit Score for Deposit Account
The following is a guest post from DR, the founder of the popular personal finance site, the Dough Roller. Your credit score plays a significant role when you apply for credit. Whether you are looking for a mortgage, car loan, or credit card offer, your …
Publ.Date : Thu, 11 Nov 2010 16:00:00 GMT

Check your credit score before holiday shopping
‘Tis the season when our hearts are warmed by that giving spirit, and we madly search for the perfect gift for second-cousin Clara. But before you pull out the plastic, think carefully about how long it will take you to pay off your credit card bill, and …
Publ.Date : Wed, 05 Dec 2012 07:57:09 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, 17 Apr 2014 17:13:44 GMT

Why a Perfect Credit Score Doesn\’t Matter – ABC News

 Get Credit Score
ABC News
 Get Credit Score
Why a Perfect Credit Score Doesn't Matter
ABC News
There's nothing wrong with monitoring your credit and your credit score. In fact, I encourage it. You can get a free copy of each of your credit reports once a year, and you can monitor your credit scores using a free tool like the one on Credit.com

Publ.Date : Sat, 12 Apr 2014 10:41:15 GMT

5 Best Credit Cards for Rebuilding Credit in Pittsburgh – Go Banking Rates

 Get Credit Score
Go Banking Rates
 Get Credit Score
5 Best Credit Cards for Rebuilding Credit in Pittsburgh
Go Banking Rates
However counterintuitive, there are credit cards available to consumers with poor credit, as well as cards designed to strengthen your credit to get you back to financial solvency. With the right secured card, you can build up your credit score quickly
What Credit Cards Should I Avoid?Credit.com News (blog)
6 Credit Card Tips for the UnemployedFox Business
Too Much Debt Will Sink YouCBS Local
Aol Money -SYS-CON Media (press release)
all 24 news articles »

Publ.Date : Thu, 17 Apr 2014 16:14:29 GMT

Do These 3 Things to Improve Your Credit Health – U.S. News & World Report (blog)

 Get Credit Score
Credit.com News (blog)
 Get Credit Score
Do These 3 Things to Improve Your Credit Health
U.S. News & World Report (blog)
So you made some financial missteps in the past, and now you're paying for it with your low credit score. You can't get approved for a loan or ? if you can ? your interest rates are sky high. Unfortunately, there's no magic potion to fix poor credit
What's in My Credit Report?Credit.com News (blog)

all 11 news articles »

Publ.Date : Thu, 10 Apr 2014 12:46:51 GMT

Not All Free Credit Scores are Created Equal – Fox Business

 Get Credit Score
Credit.com News (blog)
 Get Credit Score
Not All Free Credit Scores are Created Equal
Fox Business
However, many of these free scores aren't calculated the same way as the ones lenders may pull for your next auto loan, mortgage or even credit card, but they can still help you monitor your general credit standing. This is not to say that the free
What Is My Real Credit Score?Credit.com News (blog)
Demystifying credit scoresMinuteman News Center

all 19 news articles »

Publ.Date : Tue, 08 Apr 2014 21:06:20 GMT

The Hidden Problems Renters Face with Credit Scores – DailyFinance

 Get Credit Score
The Hidden Problems Renters Face with Credit Scores
DailyFinance
Most landlords pull credit reports before agreeing to sign a lease, and a less than desirable FICO score can severely limit your chances of getting into a decent apartment at all, let alone at a reasonable price. Insurance companies, too, often charge

Publ.Date : Tue, 15 Apr 2014 19:09:47 GMT

Get your house in order: Repairing your credit before you buy a home – Fox News

 Get Credit Score
Get your house in order: Repairing your credit before you buy a home
Fox News
For those with bad credit, buying a home can feel like an impossibility. Even if you can qualify for a mortgage, a bad credit score will likely leave you saddled with a high interest rate, making those monthly payments much more expensive than they

Publ.Date : Sat, 05 Apr 2014 13:23:34 GMT

What a Credit Score Calculator Won\’t Tell You – Credit.com News (blog)

 Get Credit Score
Credit.com News (blog)
 Get Credit Score
What a Credit Score Calculator Won't Tell You
Credit.com News (blog)
If you don't know your credit score, you have a few options for figuring it out: You can purchase one, get an account with a company that provides them for free or use a credit score calculator. All these options can help you get an idea of your credit
Senate bill would require free credit scores, easier credit report fixesBob Sullivan.net

all 8 news articles »

Publ.Date : Tue, 15 Apr 2014 04:32:32 GMT

Your Credit Report – CBS Local

 Get Credit Score
Your Credit Report
CBS Local
It is important to be checking your credit report at least annually because incorrect information can screw up your credit score, mess with your ability to get a loan, and the best reason to review your credit report is Identity Theft. If someone is
Protecting You From Credit Report Errors, Unreliable ScoresHuffington Post

all 5 news articles »

Publ.Date : Tue, 15 Apr 2014 14:34:48 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 :

Creditnet.com Announces the Top Credit Cards Offering Free FICO Scores
Unlike most credit cards, these cards allow consumers to access their FICO credit scores for free. It used to be that the only way to get your credit score was once a year from AnnualCreditReport.com or by paying a service each month. However, with these …
Publ.Date : Wed, 16 Apr 2014 23:13:00 GMT

Check your credit report and don?t be surprised by a bad score
?It can take years to fix the damage,? said Mr. Debrosse. The cheapest way is to get your credit score is through the mail or in person, in which case it?s free. If you want immediate access, charges range from $19.95 a month at Equifax Canada Inc …
Publ.Date : Mon, 14 Apr 2014 16:38:00 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

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

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

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

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

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


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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