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, 25 Jul 2014 05:49:23 GMT

The Difference Between Hard and Soft Credit Inquiries – U.S. News & World Report (blog)

 Check Your Credit Score
The Difference Between Hard and Soft Credit Inquiries
U.S. News & World Report (blog)
A soft inquiry is an inquiry that occurs when a person or company checks your credit report as a background check, like when you check your credit score or a mortgage lender preapproves you for a loan. Soft inquiries can occur without your permission

and more »

Publ.Date : Thu, 24 Jul 2014 12:41:26 GMT

7 Ways to Boost Your Credit Score – Huffington Post

 Check Your Credit Score
7 Ways to Boost Your Credit Score
Huffington Post
Your credit score reflects your ability to keep up with payments, so setting yourself up for success here is key. Put reminders on your calendar or set up automatic payments online so you minimize the risk of accidentally making a late payment. Of

and more »

Publ.Date : Wed, 23 Jul 2014 19:23:03 GMT

What Adding 100 Points to Your Credit Score Could Mean – NerdWallet (blog)

 Check Your Credit Score
NerdWallet (blog)
 Check Your Credit Score
What Adding 100 Points to Your Credit Score Could Mean
NerdWallet (blog)
Borrow sparingly ? Applying for several loans or credit cards in the span of a month or two will ding your score. Only apply for credit you really need, and put a lot of space between new applications. Check your credit report at least once per year

Publ.Date : Thu, 24 Jul 2014 17:53:45 GMT

How I Got My Credit Score to 847 – Credit.com News (blog)

 Check Your Credit Score
Credit.com News (blog)
 Check Your Credit Score
How I Got My Credit Score to 847
Credit.com News (blog)
As it turns out, years of following her own rules got my mom to a near-perfect credit score. She started checking her free scores on Credit.com when I introduced her to the tool, and she's had a solidly high score for as long as she's checked. Because
The credit dangers single parents faceWPTV

all 5 news articles »

Publ.Date : Fri, 25 Jul 2014 04:49:35 GMT

Be smart when trying to improve credit score – USA TODAY

 Check Your Credit Score
USA TODAY
 Check Your Credit Score
Be smart when trying to improve credit score
USA TODAY
Listed below are tactics to watch out for, because they often turn expensive ? check out our tips for avoiding these costs to boost your score without spending a dime. Opening a new credit card to improve your credit utilization. A whopping 30% of your
Do You Need Credit Score Help?Motley Fool

all 6 news articles »

Publ.Date : Sun, 13 Jul 2014 10:16:57 GMT

Small Debts Can Lead to Big Credit Score Problems – Fox Business

 Check Your Credit Score
Credit.com News (blog)
 Check Your Credit Score
Small Debts Can Lead to Big Credit Score Problems
Fox Business
That's where you'll find missed payment records of all sizes, so check your credit reports now via annualcreditreport.com. Spot a little debt on your report, but it's incorrect? Dispute the credit report line item. If it's caused by a mix-up, you can
Can You Get a Debt Collection Account Off Your Credit Report?Credit.com News (blog)
3 Reasons Why Millennials Aren't Buying HomesHuffington Post

all 4 news articles »

Publ.Date : Thu, 17 Jul 2014 22:29:44 GMT

3 credit score questions you never thought to ask – USA TODAY

 Check Your Credit Score
USA TODAY
 Check Your Credit Score
3 credit score questions you never thought to ask
USA TODAY
The three credit bureaus weigh each item slightly differently to come up with your score, but generally your payment history and current credit utilization are the two most important factors in determining your score. 3. Besides getting a loan, what

and more »

Publ.Date : Sat, 05 Jul 2014 09:47:52 GMT

A New Hope for Student Loan Defaulters – Credit.com News (blog)

 Check Your Credit Score
Credit.com News (blog)
 Check Your Credit Score
A New Hope for Student Loan Defaulters
Credit.com News (blog)
Check Credit Before Paying Down Student Loans Check Credit Before Paying Down Student LoansGet your free Credit Score & personalized Action Plan. See where you stand & learn ways to better manage your score before paying down your student loans.
3 Ways Student Loan Scammers Seduce YouFox Business
How to get relief on your student loans (without paying for it)Fortune

all 69 news articles »

Publ.Date : Wed, 23 Jul 2014 04:28:17 GMT

What Happens if I Never Check My Credit Report? – Credit.com News (blog)

 Check Your Credit Score
Credit.com News (blog)
 Check Your Credit Score
What Happens if I Never Check My Credit Report?
Credit.com News (blog)
Everyone is entitled to free annual credit reports from the three main credit bureaus (Equifax, Experian and TransUnion), and there are other circumstances under which you can get them more often. You can check your free credit scores more often ? you
10 Secrets to a Smooth Hamptons Real Estate PurchaseDan’s Papers

all 16 news articles »

Publ.Date : Fri, 27 Jun 2014 04:13:36 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 :

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 : Tue, 27 May 2014 13:27:50 GMT

The Difference Between Hard and Soft Credit Inquiries
What is a soft inquiry? A soft inquiry is an inquiry that occurs when a person or company checks your credit report as a background check, like when you check your credit score or a mortgage lender preapproves you for a loan. Soft inquiries can occur …
Publ.Date : Thu, 24 Jul 2014 06:30:00 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

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

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

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

Preparing to purchase your home this spring
Check your credit score and begin clearing up any mistakes as soon as possible. The better your credit score, the better the interest rate you will qualify for. Pre-qualified is different than pre-approved. Pre-qualified is when a lender reviews your …
Publ.Date : Sat, 02 Mar 2013 18:42:18 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

Perspective And Preparedness For Divorcing Women
In short: Make yourself copies of all marital financial documents. Check your credit score, and open bank accounts in your own name. Build up those accounts so that you can pay your professional divorce team, and get that team lined up. Whether you think …
Publ.Date : Wed, 23 Jul 2014 13:03:00 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 : Fri, 25 Jul 2014 06:47:18 GMT

What Adding 100 Points to Your Credit Score Could Mean – NerdWallet (blog)

 Get Credit Score
NerdWallet (blog)
 Get Credit Score
What Adding 100 Points to Your Credit Score Could Mean
NerdWallet (blog)
Credit scoring can feel like an abstract concept. It's tough to think in concrete terms about how a few points can impact your ability to get a loan or a credit card. For example, what could adding 100 points to your credit score actually mean to your

Publ.Date : Thu, 24 Jul 2014 17:53:45 GMT

7 Ways to Boost Your Credit Score – Huffington Post

 Get Credit Score
7 Ways to Boost Your Credit Score
Huffington Post
Getting a secured credit card or gas credit card is easier than getting a traditional credit card when you've got zero credit, and by making small charges each month and paying the bill in full, you can build a history of smart credit usage that will

Publ.Date : Wed, 23 Jul 2014 19:32:50 GMT

The Difference Between Hard and Soft Credit Inquiries – U.S. News & World Report (blog)

 Get Credit Score
The Difference Between Hard and Soft Credit Inquiries
U.S. News & World Report (blog)
Alternatively, like any other incorrect information on your credit report, you can get rid of errors by disputing them directly with the credit bureaus. Your credit score is at stake, so you'll want to ensure the information that calculates your score

and more »

Publ.Date : Thu, 24 Jul 2014 12:41:26 GMT

How I Got My Credit Score to 847 – Credit.com News (blog)

 Get Credit Score
Credit.com News (blog)
 Get Credit Score
How I Got My Credit Score to 847
Credit.com News (blog)
It's a good thing my mom drilled her credit card strategy into me, because unlike many of my friends, I didn't learn about credit card responsibility the hard way. As it turns out, years of following her own rules got my mom to a near-perfect credit score.
Can I Get a Credit Card with Poor Credit?Fox Business
The credit dangers single parents faceWPTV
The best secured credit cards in AmericaMSN Money

all 5 news articles »

Publ.Date : Fri, 25 Jul 2014 04:49:35 GMT

Yes, Credit Score And Credit Report Are Two Different Things – TheStreet.com

 Get Credit Score
Business Insider
 Get Credit Score
Yes, Credit Score And Credit Report Are Two Different Things
TheStreet.com
When a business does pull your credit report, your credit score is not included. In order to get your credit score, the business must be lending you money and they must request your score. "Anyone who accesses your score has to have a reason, and it
Here's How Your Credit Score Gets CalculatedBusiness Insider
Everyone Should Know the 5 Parts of a Credit Score; Do You?Wall St. Cheat Sheet

all 3 news articles »

Publ.Date : Thu, 24 Jul 2014 01:24:48 GMT

Be smart when trying to improve credit score – USA TODAY

 Get Credit Score
USA TODAY
 Get Credit Score
Be smart when trying to improve credit score
USA TODAY
If you're working hard to build your credit, you've set your sights on a worthy goal. A stellar score will make it easier to qualify for a mortgage, get the best rates on insurance policies and set up utilities. In short, having a high credit score
Family finances: Boost your credit scoreDallas Morning News
Do You Need Credit Score Help?Motley Fool

all 6 news articles »

Publ.Date : Sun, 13 Jul 2014 10:16:57 GMT

How Medical Bills Can Hurt Your Credit Score – WFMY News 2

 Get Credit Score
WFMY News 2
 Get Credit Score
How Medical Bills Can Hurt Your Credit Score
WFMY News 2
But some medical bills could hurt your score even more than others. Nerd Wallet's Christina Lamontagne says, "Medical bills affect credit score, allowing them to go to collections, allowing them to linger can affect very responsible habits and a score

Publ.Date : Tue, 22 Jul 2014 04:15:55 GMT

How Student Loans Affect Your Credit Score – U.S. News & World Report (blog)

 Get Credit Score
How Student Loans Affect Your Credit Score
U.S. News & World Report (blog)
Loan default should only be considered in the direst of circumstances ? when you can find no other alternative. Defaulting often triggers serious repercussions that could leave you with a damaged credit history and seriously impede your ability to get

and more »

Publ.Date : Mon, 07 Jul 2014 17:54:07 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 : Tue, 04 Mar 2014 10:19:03 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

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

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

A New Way to Get Your Credit Score for Free
Almost everyone gets at least a little anxious when applying for an auto loan or a mortgage, but it?s even more stressful for people who get stuck paying higher interest rates or are turned down because of their credit. These would-be borrowers are in …
Publ.Date : Sun, 17 Jul 2011 17:00:00 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 08:20:33 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.

Copyright © 2014 mycreditscores.net. All Rights Reserved.