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 : Sun, 26 Oct 2014 00:14:45 GMT

How Often Does Your Credit Score Change? – Huffington Post

 Check Your Credit Score
NASDAQ
 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
7 Credit Myths You Thought Could Hurt Your Score, but Don'tNASDAQ
Avoiding credit mistakes 20-somethings makeUSA TODAY
LifeHacker India -WCPO
all 354 news articles »

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

all 2 news articles »

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

How to Raise Your Credit Score to Get Approved for an Apartment – U.S. News & World Report (blog)

 Check Your Credit Score
How to Raise Your Credit Score to Get Approved for an Apartment
U.S. News & World Report (blog)
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. It's hard to improve your score if you don't know what it is or what is affecting it. Be sure that you

Publ.Date : Wed, 08 Oct 2014 12:09:54 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
You can pull your credit reports for free through AnnualCreditReport.com to check for errors in need of correction, or other issues that you can get to work on (like paying down your credit card debt) that can help build your credit. You can also see
What Is a Good Credit Score?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

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

5 Reasons Your Credit Score Is More Important Than Your GPA – U.S. News & World Report (blog)

 Check Your Credit Score
5 Reasons Your Credit Score Is More Important Than Your GPA
U.S. News & World Report (blog)
Lenders and insurance agents (among others) look at your credit score when they're figuring out how to price the products they're selling you. For instance, when you apply for your first car loan, the bank you're working with will run a credit check to

Publ.Date : Mon, 13 Oct 2014 13:03:43 GMT

7 Critical Ways to Improve Your Credit Score – SayCampusLife

 Check Your Credit Score
SayCampusLife
 Check Your Credit Score
7 Critical Ways to Improve Your Credit Score
SayCampusLife
Check your credit reports. Everything about the way you manage your credit appears to be sound, but why is your credit score so low? It could be that there are aged accounts that have not been updated on your credit report or even accounts ascribed to
Avoid Becoming An Identity Thief's Next VictimInvestopedia

all 5 news articles »

Publ.Date : Wed, 22 Oct 2014 08:34:28 GMT

How credit cards impact your credit score – Nasdaq

 Check Your Credit Score
How credit cards impact your credit score
Nasdaq
Whenever you apply for credit, card issuers run a credit check. The higher your credit score, the more likely you are to pay your bills and the lower the interest rate will be on your new card. A large number of credit inquiries in a short period can

Publ.Date : Thu, 23 Oct 2014 13:07:25 GMT

Understand How Late Student Loan Payments Affect Your Credit Score – U.S. News & World Report (blog)

 Check Your Credit Score
Understand How Late Student Loan Payments Affect Your Credit Score
U.S. News & World Report (blog)
It can be hard to pinpoint specifically how a late student loan payment can affect your credit score, says Rod Griffin, director of public education for Experian, a leading global information services company that helps individuals check their credit

Publ.Date : Wed, 08 Oct 2014 14:04:50 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 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

5 Reasons Your Credit Score Is More Important Than Your GPA
This is because most landlords will check your credit score as part of the rental application process, and many simply won?t accept tenants with bad scores. Of course, the same is true if you?re thinking of buying a home. If you don?t have good …
Publ.Date : Fri, 24 Oct 2014 22:26:00 GMT

Loans and overdraft borrowing growing faster than credit cards
Check your credit score – Checking your credit score before applying for a loan can also save you a lot of money, as unsecured lending is not offered against any form of security (eg a car or house) so the better your score the better your rate.
Publ.Date : Fri, 24 Oct 2014 14:37:00 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 05:07:00 GMT

4 Steps to Follow if a Debt Collection Agency Scam Is Happening to You
This is NOT TRUE — these collection agencies are consistently buying up old accounts for their own purposes. 3. Check your credit score and put an alert on your account. As I read more about people who had their credit scores tampered with, I began to …
Publ.Date : Sun, 12 Oct 2014 19:08:00 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

The Many Ways You Can Get a Free Copy of Your Credit Score
There are so many legit ways to check your credit score for free, which means there are also a lot of scams out there. We’ve warned readers about Freecreditreport.com, for example, which tricks people into a monthly subscription service. Here are some red …
Publ.Date : Fri, 17 Oct 2014 08:22:00 GMT




My Credit Scores
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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 : Sun, 26 Oct 2014 00:14:46 GMT

Ways to improve your credit score – Hattiesburg American

 Get Credit Score
Hattiesburg American
 Get Credit Score
Ways to improve your credit score
Hattiesburg American
You can get a free report once every 12 months from each of the three major credit bureaus ? Equifax, Experian and TransUnion ? by visiting AnnualCreditReport.com. 2. Review your FICO score (the most commonly used credit score). The range is 300 to …

Publ.Date : Sat, 25 Oct 2014 08:26:19 GMT

Will Charging Your Holiday Shopping Hurt Your Credit Score? – Nasdaq

 Get Credit Score
Nasdaq
 Get Credit Score
Will Charging Your Holiday Shopping Hurt Your Credit Score?
Nasdaq
The main point of credit scoring is to show lenders how well you handle debt. Can you handle credit responsibly or do you tend to get in over your head? Well, if you never carry any balance at all on your credit cards, lenders really have no idea if
How Fast Can You Get Out of Debt?ABC News
7 Reasons Your Debt Repayment Plan Isn't WorkingCredit.com News (blog)
Credit card strategies to help you buy a homeUSA TODAY

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Publ.Date : Sat, 25 Oct 2014 21:25:56 GMT

10 easy ways to boost your credit score – Detroit Free Press

 Get Credit Score
kjrh.com
 Get Credit Score
10 easy ways to boost your credit score
Detroit Free Press
Banks, credit card companies and others use credit scores in deciding whether to give you a loan, how much money you can borrow and how much interest to charge you. Here's some advice for improving your credit score: 1. Get copies of your credit
Build Your Credit ScoreInvestopedia
7 costly credit score mythskjrh.com
How Often Does Your Credit Score Change?Huffington Post
Elko Daily Free Press
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Publ.Date : Sat, 18 Oct 2014 12:20:44 GMT

The Money Mistake That 48% of Renters Make – TIME

 Get Credit Score
The Money Mistake That 48% of Renters Make
TIME
So if you were counting on your on-time monthly rent checks to help you build your credit score, you're out of luck. Keep in mind that although being conscientious on paying your rent and utilities won't help you, your failure to make a payment can

and more »

Publ.Date : Wed, 22 Oct 2014 16:05:38 GMT

A Guide to Getting Your First Mortgage – U.S. News & World Report

 Get Credit Score
Modern Readers
 Get Credit Score
A Guide to Getting Your First Mortgage
U.S. News & World Report
The free credit report you can get annually, while it helps you identify problems, won't show you the same credit score your mortgage officer will see. ?The score is invariably higher than what you get when someone in the mortgage company runs it
Refinance your mortgage for lower rates, payment reductionsFlorida Times-Union

all 135 news articles »

Publ.Date : Fri, 24 Oct 2014 18:35:19 GMT

How credit cards impact your credit score – Nasdaq

 Get Credit Score
How credit cards impact your credit score
Nasdaq
If you don't have a credit card, it is possible to show that you are a responsible borrower and build a good credit score if you have a mixture of other types of loans, such as mortgages and car notes. However, if your goal is to get as close as

Publ.Date : Thu, 23 Oct 2014 13:07:25 GMT

4 Hobbies That Could Wreck Your Credit Score – U.S. News & World Report (blog)

 Get Credit Score
TIME
 Get Credit Score
4 Hobbies That Could Wreck Your Credit Score
U.S. News & World Report (blog)
But if you're not careful, there's a chance your favorite diversion could hurt your credit score. Below are four popular pastimes that could put your score in jeopardy if you make the wrong moves. Use these tips to keep your credit on the straight and
How Can I Get Medical Bills In Collections Off My Credit Report?Forbes
Getting Started: Common mistakes that could hurt a credit scoreValdosta Daily Times
Here's How Long It Will Take to Get a MortgageTIME

all 5 news articles »

Publ.Date : Mon, 20 Oct 2014 13:00:57 GMT

6 Surprising Ways Having Bad Credit Hurts – Huffington Post

 Get Credit Score
SayCampusLife
 Get Credit Score
6 Surprising Ways Having Bad Credit Hurts
Huffington Post
If there are mistakes on your report, make sure to clear them up with the creditor that made the error and ask them to report their mistake to the three major credit bureaus — Equifax, Experian and TransUnion. Having a bad credit score won't
7 Critical Ways to Improve Your Credit ScoreSayCampusLife
Avoid Becoming An Identity Thief's Next VictimInvestopedia

all 5 news articles »

Publ.Date : Tue, 21 Oct 2014 19:59:20 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 :

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

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 : Fri, 24 Oct 2014 23:30:00 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

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 09:36:00 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

Who Will Inherit Your Debt When You Die?
You can also get your credit score for free, but there really isn?t a point in getting a credit score for the person who is died. Be very careful about taking money or property that belonged to the person who died if there are debts outstanding.
Publ.Date : Mon, 29 Sep 2014 01:00:00 GMT

100 tips for new-car shoppers
4. It’s a good idea to get a free credit report and to pay a small fee to get your credit score. Correct any outstanding issues before you go car shopping. 5. Read editors’ and consumers’ reviews to get recommendations and figure out the pros and cons for …
Publ.Date : Fri, 17 Oct 2014 03:14:00 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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