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 : Wed, 03 Sep 2014 03:42:55 GMT

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

 Check Your Credit Score
NerdWallet (blog)
 Check Your Credit Score
Credit Check: What's Your Credit Score?
Huffington Post (blog)
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

money – USA TODAY

 Check Your Credit Score
USA TODAY
 Check Your Credit Score
money
USA TODAY
That's the first step in fixing your credit. Here are three steps to help you repair your credit score. Check your credit report ? for free! Go to www.annualcreditreport.com to request a free copy of your credit report from each of the three major
Credit score confusion and navigating changesWFLA
Get a Free Credit Report More Than Once a YearKiplinger Personal Finance

all 25 news articles »

Publ.Date : Sun, 10 Aug 2014 13:03:35 GMT

The Most Misunderstood Part of Your Credit Report – Credit.com News (blog)

 Check Your Credit Score
Credit.com News (blog)
 Check Your Credit Score
The Most Misunderstood Part of Your Credit Report
Credit.com News (blog)
If you've checked your credit reports or reviewed your credit scores recently, you probably noticed the section of your credit report called ?inquiries,? which lists the names of companies that have reviewed your report recently. While most consumers

Publ.Date : Mon, 01 Sep 2014 04:03:31 GMT

SocietyOne hands credit scores power to customers – Sydney Morning Herald

 Check Your Credit Score
Crowdfund Insider
 Check Your Credit Score
SocietyOne hands credit scores power to customers
Sydney Morning Herald
Banks have been warned that high-credit quality customers will be encouraged to negotiate lower interest rates on their loans with borrowers able to access their credit scores for free from Tuesday on a new website backed by peer-to-peer lender SocietyOne.
How good is your credit history?NEWS.com.au

all 11 news articles »

Publ.Date : Tue, 02 Sep 2014 01:21:51 GMT

Get your credit score online – Mackay Daily Mercury

 Check Your Credit Score
Get your credit score online
Mackay Daily Mercury
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

and more »

Publ.Date : Mon, 01 Sep 2014 23:37:32 GMT

These Are the 5 Best Ways to Improve Your Credit Score – TIME

 Check Your Credit Score
Wall Street Journal
 Check Your Credit Score
These Are the 5 Best Ways to Improve Your Credit Score
TIME
Fixing errors in your credit report can give you the most immediate score boost. Request a copy of all three of your credit reports from each credit agency for free from annualcreditreport.com. ?You need to be very proactive and check your reports and
Got medical debt? Your FICO credit score may go upCNNMoney
FICO Recalibrates Its Credit ScoresWall Street Journal
The New FICO Score: Better for Debtors?Credit.com News (blog)
NerdWallet (blog) -Yahoo Finance (blog)
all 247 news articles »

Publ.Date : Mon, 11 Aug 2014 03:52:08 GMT

Personal finance tips: How your credit score affects your car insurance, and more – The Week Magazine

 Check Your Credit Score
Personal finance tips: How your credit score affects your car insurance, and more
The Week Magazine
Bad credit could be driving up your car insurance, said Andrea Coombes at The Wall Street Journal. A new study of five large auto insurers has found that credit history can make or break a driver's premium, leaving motorists with no credit paying 65

Publ.Date : Tue, 02 Sep 2014 10:40:16 GMT

New to U.S.? A Primer on How to Create, Build Credit History – Fox Business

 Check Your Credit Score
Credit.com News (blog)
 Check Your Credit Score
New to U.S.? A Primer on How to Create, Build Credit History
Fox Business
Get a copy of your credit report (free from annualcreditreport.com ) and your current FICO score (about $20 per report) in about six months. This is your starting point. Check both again in another six months. You should note increased activity on the
Credit Checks Can Be Less Harmful Than You ThinkMotley Fool
4 Ways a Low Credit Score Can Cost YouNASDAQ
Why You Shouldn't Get Too Excited About the New FICO Score… YetCredit.com News (blog)
RisMedia.com (press release)
all 15 news articles »

Publ.Date : Fri, 15 Aug 2014 14:52:36 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 15:10:32 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

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

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 : Thu, 07 Aug 2014 15:33:00 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

How to check your credit score
Federal law entitles you to a free credit report every year, but if you want to know your score — a number lenders and insurers use to determine what you’ll pay — it’s going to cost you anywhere from $6 to $10. It’s important to check your credit report …
Publ.Date : Fri, 10 Aug 2007 17:00:00 GMT

Where Michael Martensen, Dallas\’ Mixologist-in-Chief, Drinks When He Drinks in Dallas
That may have something to do with the fact that they (probably) check your credit score before you walk in the door, but Martensen actually considers this place a bargain. “They have one of my favorite glasses of wine, a William Fievre Chablis.
Publ.Date : Fri, 29 Aug 2014 11:51:00 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 : Wed, 03 Sep 2014 04:31:21 GMT

10 Ways to Boost Your All-Important Credit Score – DailyFinance

 Get Credit Score
10 Ways to Boost Your All-Important Credit Score
DailyFinance
Your credit score holds a lot of power. It affects your ability to get a car loan, rent an apartment, apply for a mortgage, and sometime, even your ability to get a job. And fundamentally, a lower score means that every time you need to borrow money

Publ.Date : Tue, 02 Sep 2014 15:09:46 GMT

Personal finance tips: How your credit score affects your car insurance, and more – The Week Magazine

 Get Credit Score
Personal finance tips: How your credit score affects your car insurance, and more
The Week Magazine
Bad credit could be driving up your car insurance, said Andrea Coombes at The Wall Street Journal. A new study of five large auto insurers has found that credit history can make or break a driver's premium, leaving motorists with no credit paying 65

Publ.Date : Tue, 02 Sep 2014 10:40:16 GMT

How to build credit if you have a small income – USA TODAY

 Get Credit Score
USA TODAY
 Get Credit Score
How to build credit if you have a small income
USA TODAY
Building and maintaining a good credit score is one of the best moves you can make for your financial health. It might seem intimidating at first ? our credit scoring system is definitely complex ? but when it comes time to apply for a mortgage, you'll

Publ.Date : Mon, 01 Sep 2014 10:34:52 GMT

How Your Credit Score Determines How Much House You Can Buy – Credit.com News (blog)

 Get Credit Score
Credit.com News (blog)
 Get Credit Score
How Your Credit Score Determines How Much House You Can Buy
Credit.com News (blog)
Looking to get a large home loan? If you're in the market for a mortgage $417,000 or larger, your credit score, along with your equity, will play an important role in your ability to get approved. A mortgage is classified as either ?conforming? or

and more »

Publ.Date : Wed, 03 Sep 2014 04:02:02 GMT

Maxing Out Card Might be Worth Temporary Credit Score Ding – Fox Business

 Get Credit Score
Maxing Out Card Might be Worth Temporary Credit Score Ding
Fox Business
My credit score is in the mid 500s. The ONLY reason I applied for the card is so I can purchase a laptop for school (nothing fancy, I was thinking one that was around $300-$400). My plan was to use the $300 and then make monthly payments. Now, I'm …
6 Surprising Reasons You Can't Get That Credit CardTIME
My biggest credit card mistake: Experts share their storiesMSN Money
Six credit card tips for college studentsNooga.com

all 48 news articles »

Publ.Date : Tue, 26 Aug 2014 21:14:37 GMT

3 Ways to Improve Your Credit Score in Less Than 5 Minutes – Huffington Post (blog)

 Get Credit Score
3 Ways to Improve Your Credit Score in Less Than 5 Minutes
Huffington Post (blog)
If you are looking to buy a car, rent an apartment or take out a loan, you need to make sure that your credit score is at it's best. While it takes seven years for most derogatory items on your credit report to be removed, there are a few things you
3 Things That Won't (Or At Least Shouldn't) Affect Your Mortgage Pre-ApprovalThe Consumerist

all 4 news articles »

Publ.Date : Wed, 20 Aug 2014 16:52:59 GMT

Get your credit score online – Mackay Daily Mercury

 Get Credit Score
Get your credit score online
Mackay Daily Mercury
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

and more »

Publ.Date : Mon, 01 Sep 2014 23:37:32 GMT

SocietyOne hands credit scores power to customers – Sydney Morning Herald

 Get Credit Score
Crowdfund Insider
 Get Credit Score
SocietyOne hands credit scores power to customers
Sydney Morning Herald
Banks have been warned that high-credit quality customers will be encouraged to negotiate lower interest rates on their loans with borrowers able to access their credit scores for free from Tuesday on a new website backed by peer-to-peer lender SocietyOne.
How good is your credit history?NEWS.com.au

all 11 news articles »

Publ.Date : Tue, 02 Sep 2014 01:21:51 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 03:18:00 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

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 13:09:01 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

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

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 09:35:00 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


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.