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 : Sat, 01 Nov 2014 12:16:09 GMT

How Often Does Your Credit Score Change? – Huffington Post

 Check Your Credit Score
USA TODAY
 Check Your Credit Score
How Often Does Your Credit Score Change?
Huffington Post
Unless I'm grossly mistaken, I believe my credit scores have improved because I addressed those two items that caused me to have lower scores in the first place. When do you think I should check my scores? Are they updated once a month? Or are they …
Wells Fargo offers free credit scores to customers until Nov. 16Elko Daily Free Press
Avoiding credit mistakes 20-somethings makeUSA TODAY
7 costly credit score mythsWCPO
LifeHacker India
all 354 news articles »

Publ.Date : Fri, 17 Oct 2014 17:04:51 GMT

Can spouse\’s credit score kill your mortgage? – USA TODAY

 Check Your Credit Score
USA TODAY
 Check Your Credit Score
Can spouse's credit score kill your mortgage?
USA TODAY
Credit scores and qualifying. Married couples still have individual credit scores. You don't trade yours in for a joint FICO score upon tying the knot. But your credit histories definitely become knotted together. Mortgage lenders look for stable
A Perfect Credit Score: Is It Possible?Motley Fool
Improving your credit score should be the first thing on your to-do listLodi News-Sentinel
Protect your financial data: Monitor your credit reportMarshfield News-Herald

all 10 news articles »

Publ.Date : Sat, 04 Oct 2014 17:12:04 GMT

What credit score do I need to refinance? – USA TODAY

 Check Your Credit Score
USA TODAY
 Check Your Credit Score
What credit score do I need to refinance?
USA TODAY
Here's what to do: Double-check your credit. Chances are, lenders won't see your credit score the same way you do. Usually, mortgage brokers take the middle of the three major credit bureau scores into consideration when assigning you an interest rate.

Publ.Date : Mon, 27 Oct 2014 05:01:39 GMT

Renting a car with a debit card could damage your credit score – Waterbury Republican American

 Check Your Credit Score
Renting a car with a debit card could damage your credit score
Waterbury Republican American
"It's very standard to use a credit card for those purchases, and when you don't, they may run a credit check to make sure you are a trustworthy customer," said Julie Myhre, a senior manager at NextAdvisor.com, a San Francisco free comparison website

Publ.Date : Fri, 31 Oct 2014 05:24:54 GMT

Credit Score Scams: Don\’t Let Your Curiosity Get The Best Of You – WCBD

 Check Your Credit Score
Credit Score Scams: Don't Let Your Curiosity Get The Best Of You
WCBD
SPARTANBURG, S.C – Con-artists know how important credit scores can be for anything from buying a car to setting your insurance rate. And now they are trying to trick you into thinking you need to check your score, but instead stealing your private …

and more »

Publ.Date : Sun, 26 Oct 2014 21:40:59 GMT

Using a debit card to rent a car could damage credit score – STLtoday.com

 Check Your Credit Score
Using a debit card to rent a car could damage credit score
STLtoday.com
?When they do a credit check, they might not even rent to you if the credit check comes back negative. Meanwhile, you have had a hard inquiry on your credit report.? So-called hard inquiries happen when a potential lender is checking out someone who
Using a debit card for a rental car can be a mistakeThe Detroit News
Debit card for rental car could hurt creditColumbus Dispatch

all 3 news articles »

Publ.Date : Sun, 26 Oct 2014 03:04:45 GMT

How to Track Your Most Ridiculously Wasteful Spending – Credit.com News (blog)

 Check Your Credit Score
Credit.com News (blog)
 Check Your Credit Score
How to Track Your Most Ridiculously Wasteful Spending
Credit.com News (blog)
You could be throwing thousands of dollars away over the course of your lifetime on higher interest rates due to bad credit as well. (You can check your credit scores for free on Credit.com to see whether you could be saving money by raising your score.).

and more »

Publ.Date : Sat, 01 Nov 2014 04:32:05 GMT

Obama Says Check Your FICO Scores – Auto Credit Express (blog)

 Check Your Credit Score
Auto Credit Express (blog)
 Check Your Credit Score
Obama Says Check Your FICO Scores
Auto Credit Express (blog)
Here at Auto Credit Express we continue to educate borrowers with bad credit on the importance of checking their FICO scores well before beginning the application process. That's because even though high-risk lenders look for reasons to approve
5 surprising times your credit matterskjrh.com

all 2 news articles »

Publ.Date : Fri, 24 Oct 2014 06:18:41 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 :

Real Estate Investments: How to Get Started
Take heed of these starter tips for the first-time investor. Check your credit score. Its crucial in securing your mortgage. Good credit history arises from paying your bills on time, managing your finances wisely, and low debt-to-income ratio …
Publ.Date : Sat, 01 Nov 2014 04:55:00 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 Raise Your Credit Score to Get Approved for an Apartment
Make sure you have the money you need to cover your rent and bills before you make unnecessary purchases. Check your credit score and credit report. If you don?t know your credit score and haven?t seen your credit report, it?s time to get informed.
Publ.Date : Wed, 08 Oct 2014 05:08:00 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

The New Loan Environment
What can you do to make it an easier process for you? First, check your credit score. You should do this long before you begin the process of looking for a loan. This will give you time to correct mistakes or improve upon your credit record. It is vital to …
Publ.Date : Sun, 26 Oct 2014 09:45:00 GMT

A Simple Timeline for Buying a Home
(A smart preliminary step ? before you even consider a price range or neighborhood ? is to check your credit score, because that will affect whether you can get a mortgage and the interest rate you will pay. You can see your score for free on Credit …
Publ.Date : Sun, 26 Oct 2014 01:00:00 GMT

How To Afford A Roommate-Free Apartment (Really)
Know your credit score. Landlords do check your credit score in order to see your record of paying things on time. Yee says, “Having a good credit score can sometimes be the deciding factor when it comes to getting the apartment you really want.
Publ.Date : Fri, 24 Oct 2014 08:29:00 GMT

How your credit score determines your loan APR
The importance of a good credit score can?t be understated when applying for any type of loan ? that much is certain, particularly when it comes time to buy a car. ?The credit score essentially paints a financial picture of a person, and helps …
Publ.Date : Sat, 18 Oct 2014 13:16:00 GMT




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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 : Sat, 01 Nov 2014 12:16:10 GMT

How credit score affects approval for auto loans – Bay Net

 Get Credit Score
Bay Net
 Get Credit Score
How credit score affects approval for auto loans
Bay Net
One of the most important factors to understand when applying for auto loans is your credit score. Every time you apply for any type of credit, that business will make an inquiry with a credit agency. You will be rated at a number between 300 and 850

and more »

Publ.Date : Fri, 31 Oct 2014 14:43:57 GMT

Do you know what payments impact your credit score? – ConsumerAffairs

 Get Credit Score
ConsumerAffairs
 Get Credit Score
Do you know what payments impact your credit score?
ConsumerAffairs
You probably have heard that being late in paying your bills can whittle away at your credit score. But which bills have the most impact? … They aren't, unless of course you fall so far behind that it gets turned over to collections. Paying your

and more »

Publ.Date : Thu, 30 Oct 2014 13:57:48 GMT

Reanimate Your Credit Score – Auto Credit Express (blog)

 Get Credit Score
Auto Credit Express (blog)
 Get Credit Score
Reanimate Your Credit Score
Auto Credit Express (blog)
Here at Auto Credit Express, we specialize in finding auto financing resources for people with bad credit. A low credit score should not stop you from finding a reliable vehicle to get around in. Your livelihood depends on solid transportation and we

Publ.Date : Wed, 29 Oct 2014 22:08:38 GMT

What credit score do I need to refinance? – USA TODAY

 Get Credit Score
USA TODAY
 Get Credit Score
What credit score do I need to refinance?
USA TODAY
Those whose credit scores were less-than-stellar when mortgage rates were at their lowest a few years ago might be wondering whether it's too late to get a better deal. The answer: It depends. "If your credit score has improved a lot and you own a home

Publ.Date : Mon, 27 Oct 2014 05:01:39 GMT

Build Your Credit Score – Investopedia

 Get Credit Score
kjrh.com
 Get Credit Score
Build Your Credit Score
Investopedia
Getting your first credit card can be a challenge. Few banks will offer a credit card to someone without a credit history, so how do you build that history? You're not facing this problem alone. About 50 million Americans don't have a credit history
How Often Does Your Credit Score Change?Huffington Post
7 costly credit score mythskjrh.com
Avoiding credit mistakes 20-somethings makeUSA TODAY
Elko Daily Free Press -KENS 5 TV
all 354 news articles »

Publ.Date : Thu, 16 Oct 2014 21:43:13 GMT

3 Credit Card Mistakes to Avoid in Your 30s – NerdWallet (blog)

 Get Credit Score
NerdWallet (blog)
 Get Credit Score
3 Credit Card Mistakes to Avoid in Your 30s
NerdWallet (blog)
This is problematic, because 35% of your FICO credit score is determined by your history with making on-time payments. What's more, ending up with a delinquency on your credit report could do serious damage to your score, making it hard to get credit
4 Risks to Consider Before Giving a Credit Card to Your TeenU.S. News & World Report (blog)
Why you shouldn't be afraid of credit cardsUSA TODAY
Useful tips for first time credit card usersMyiris.com

all 7 news articles »

Publ.Date : Fri, 31 Oct 2014 16:04:39 GMT

Can spouse\’s credit score kill your mortgage? – USA TODAY

 Get Credit Score
USA TODAY
 Get Credit Score
Can spouse's credit score kill your mortgage?
USA TODAY
Your spouse's credit can make or break your mortgage. A score imbalance ? hers is high and his is low ? can mean getting saddled with a higher interest rate, or not qualifying at all. There are even cases where leaving a spouse off the loan application
Hinckley woman says FICO credit score on Discover statement is wrong by 150 The Plain Dealer – cleveland.com
What Is a Good Credit Score?Motley Fool
Improving your credit score should be the first thing on your to-do listLodi News-Sentinel
U-T San Diego -Marshfield News-Herald
all 10 news articles »

Publ.Date : Sat, 04 Oct 2014 17:12:04 GMT

Which Monthly Bills Affect Your Credit Score? Most People Don\’t Know – Credit.com News (blog)

 Get Credit Score
Credit.com News (blog)
 Get Credit Score
Which Monthly Bills Affect Your Credit Score? Most People Don't Know
Credit.com News (blog)
Generally, things like rent payments and utility bills aren't reported to credit bureaus, so you don't get ?good credit? for making those payments on time. However, if one of those bills is overdue, it might end up hurting your credit, if the company

and more »

Publ.Date : Mon, 27 Oct 2014 04:07:28 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 :

How Fast Can You Get Out of Debt?
And, in fact, reducing credit card debt can be one of the fastest ways to improve your scores. (You can get your credit score for free from Credit.com and find out how your debt impacts your credit.) Obviously, getting our of credit card debt has major …
Publ.Date : Wed, 22 Oct 2014 01:00:00 GMT

How Fast Can You Get Out of Debt?
And, in fact, reducing credit card debt can be one of the fastest ways to improve your scores. (You can get your credit score for free from Credit.com and find out how your debt impacts your credit.) Obviously, getting out of credit card debt has major …
Publ.Date : Sat, 25 Oct 2014 04:30:00 GMT

5 surprising times your credit matters
You can get your free credit report once per year from all three major credit reporting agencies. You can also get your credit score for free at Credit.com, along with an action plan for building strong credit. If you are convinced that good credit is …
Publ.Date : Thu, 23 Oct 2014 07:36:00 GMT

7 things to do when you get a new credit card
If you monitor your credit score and it changes unexpectedly, that?s a good sign to check your reports. (You can get your credit score for free on Credit.com, updated monthly.) 2. Activate the card. Call the number on the card, or go to the card issuer …
Publ.Date : Wed, 22 Oct 2014 09:53:00 GMT

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 : Sun, 19 Oct 2014 15:51:00 GMT

Here\’s What To Do When You Get A New Credit Card
If you monitor your credit score and it changes unexpectedly, that?s a good sign to check your reports. (You can get your credit score for free on Credit.com, updated monthly.) Flickr / Dave KingCall as soon as you get your card. Activate the card.
Publ.Date : Tue, 21 Oct 2014 14:07:00 GMT

Even Obama\’s Credit Card Has Been Declined
More from Credit.com What?s a Good Credit Score? What?s a Bad Credit Score? Can You Really Get Your Credit Score for Free? Credit Finance President Obama credit cards credit card fraud
Publ.Date : Fri, 17 Oct 2014 20:42:00 GMT

Are Free Credit Scores Really Free?
You also want to get your credit score from a site that doesn?t require you to provide payment information first to avoid accidentally signing up for a monthly fee-based program. [Read: 5 Questions to Help You Decide Whether to Save or Pay Off Debt.]
Publ.Date : Thu, 02 Oct 2014 11:37:00 GMT


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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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