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 : Tue, 21 Oct 2014 15:05:53 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
7 costly credit score mythsNewsNet5.com
Investopedia -News & Observer
all 354 news articles »

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

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
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
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

all 10 news articles »

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

How to Rebuild Your Credit After Bankruptcy — Fast – Huffington Post

 Check Your Credit Score
SFGate
 Check Your Credit Score
How to Rebuild Your Credit After Bankruptcy — Fast
Huffington Post
"One of the first things to do is to get a free copy of your credit report, which you are able to do once a year from each of the three major credit reporting agencies. Check this for errors. Make sure you also determine your FICO credit score and work
Questions on FICO scores, donating sick leave, mortgagesSFGate
How New FICO Credit Score Formula May Affect YouGilmer Mirror

all 20 news articles »

Publ.Date : Wed, 15 Oct 2014 19:55:56 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

11 Simple Ways You Can Boost Your Credit Score – DailyFinance

 Check Your Credit Score
DailyFinance
 Check Your Credit Score
11 Simple Ways You Can Boost Your Credit Score
DailyFinance
Getty Images Knowing your credit score and knowing how to improve it are two of the most important things consumers can do ensure they reach their long-term goals. The three major credit rating agencies — Experian (EXPN), TransUnion and Equifax
Does Your Credit Score Care Where You Shop?Credit.com News (blog)
Some tips for your good creditSunbury Daily Item
America's Obsession With Credit ScoresNational Mortgage Professional Magazine

all 10 news articles »

Publ.Date : Wed, 24 Sep 2014 13:47:24 GMT

Renting a car? Using a debit card could damage credit score – Pittsburgh Post-Gazette

 Check Your Credit Score
Renting a car? Using a debit card could damage credit score
Pittsburgh Post-Gazette
?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 occur when a potential lender is checking out someone who has …
Credit inquiries can damage scoresReading Eagle

all 2 news articles »

Publ.Date : Fri, 10 Oct 2014 15:31:43 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 :

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

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 : Sat, 11 Oct 2014 01:00:00 GMT

8 tips to track your financial health this festive season
Many consumers buy them on EMIs. Check your credit score / credit history before making this decision. Accessing your credit score before applying for a home loan may actually give you better bargaining power with the lending institution for availing the …
Publ.Date : Tue, 21 Oct 2014 03:14:00 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 : Tue, 27 May 2014 16:49:00 GMT

How to improve your credit score
Keep on top of your credit score. It’s a good idea to regularly check your credit score to make sure everything is as it should be, particularly if you’re thinking of applying for a mortgage (or other large credit agreement) in the near-future, and if it …
Publ.Date : Tue, 21 Oct 2014 04:25:00 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

How to Rebuild Your Credit After Bankruptcy — Fast
Timely payments also have a significant impact on your credit score. Continue to monitor your credit score– Check your credit score regularly (monthly is ideal) while you are actively improving your credit. Watching that number go up can make you feel …
Publ.Date : Sat, 18 Oct 2014 19:59:00 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




My Credit Scores
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Get Credit Score From TransUnion, Equifax And Experian In Seconds!


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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 : Tue, 21 Oct 2014 15:06:01 GMT

4 Hobbies That Could Downgrade Your Credit Score – DailyFinance

 Get Credit Score
DailyFinance
 Get Credit Score
4 Hobbies That Could Downgrade Your Credit Score
DailyFinance
If you're doing so much shopping with your credit cards that your credit utilization ratio meets or exceeds this threshold at any point during the month, your credit score could take a hit. Your best bet is to monitor your balance carefully and make a

Publ.Date : Tue, 21 Oct 2014 10:06:40 GMT

10Best: Ways to improve your credit score – USA TODAY

 Get Credit Score
USA TODAY
 Get Credit Score
10Best: Ways to improve your credit score
USA TODAY
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
Wells Fargo offers free credit scores to customers until Nov. 16Elko Daily Free Press
How Often Does Your Credit Score Change?Huffington Post

all 354 news articles »

Publ.Date : Sat, 18 Oct 2014 09:42:33 GMT

7 Credit Card Strategies to Help Your Credit – Huffington Post

 Get Credit Score
Motley Fool
 Get Credit Score
7 Credit Card Strategies to Help Your Credit
Huffington Post
The revolving-credit trade line will help you establish a pattern of payment behavior and credit use, which have the most influence on your credit score, and there are a few simple things you can do with your card to make sure you're building a strong
The Best Credit Cards for Your Holiday ShoppingMotley Fool
The Right Way to Remove Someone From Your Credit CardCredit.com News (blog)
Stop treating your credit card like a bottomless cookie jarMetroNews Canada
Pacific Daily News -Eagle-Tribune
all 20 news articles »

Publ.Date : Mon, 20 Oct 2014 22:14:49 GMT

Getting Started: Common mistakes that could hurt a credit score – Valdosta Daily Times

 Get Credit Score
TIME
 Get Credit Score
Getting Started: Common mistakes that could hurt a credit score
Valdosta Daily Times
You may already know some of the basics of maintaining a healthy credit score: pay your bills on time, don't charge the maximum allowed on your credit card and start building a credit history early. But as much as you focus on good credit habits, some
How Can I Get Medical Bills In Collections Off My Credit Report?Forbes
4 Hobbies That Could Wreck Your Credit ScoreU.S. News & World Report (blog)
Here's How Long It Will Take to Get a MortgageTIME

all 5 news articles »

Publ.Date : Mon, 20 Oct 2014 21:11:42 GMT

Ways to boost your credit score – Columbus Dispatch (blog)

 Get Credit Score
Ways to boost your credit score
Columbus Dispatch (blog)
Few things are more important financially that knowing your credit score. That number helps determine whether you can get a credit card, an auto loan, a mortgage or insurance coverage and what kind of interest rate you'll pay. The American Bankers …
How to improve your credit scoremoneyfacts.co.uk

all 2 news articles »

Publ.Date : Mon, 20 Oct 2014 14:33:12 GMT

Watch out, these companies may only hurt your credit score – MarketWatch

 Get Credit Score
Watch out, these companies may only hurt your credit score
MarketWatch
One way to tell which companies are reporting your payment information to the credit bureaus ? and what they are reporting ? is to get your credit report from AnnualCreditReport.com, says Credit.com's Detweiler. You can also call the company and ask …
Nine Ways to Improve Your Credit ScoreInsurance News Net

all 2 news articles »

Publ.Date : Thu, 16 Oct 2014 13:57:51 GMT

7 costly credit score myths – WCPO

 Get Credit Score
WCPO
 Get Credit Score
7 costly credit score myths
WCPO
Your credit score can make a huge difference in your finances, from helping you qualify for loans and low interest rates to accessing utility services and renting the home you want. As much as people want to have good credit scores, there's a lot of

Publ.Date : Fri, 17 Oct 2014 10:36:57 GMT

Wells Fargo Offers Customers Free Credit Scores and Reports ? Until Nov. 16 – NerdWallet (blog)

 Get Credit Score
NerdWallet (blog)
 Get Credit Score
Wells Fargo Offers Customers Free Credit Scores and Reports ? Until Nov. 16
NerdWallet (blog)
If you're a Wells Fargo customer and want to make the most of the bank's free consumer credit score program, the process for doing so is simple: Visit your local Wells Fargo branch and obtain a form with a unique access code from an employee. When you …

and more »

Publ.Date : Thu, 16 Oct 2014 16:59:12 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 …
Publ.Date : Wed, 16 May 2012 11:56:00 GMT

Can You Really Get Your Credit Score for Free?
We often talk about how important it is to stay on top of your credit reports and scores. We encourage consumers to review their free credit scores, whether that?s through Credit.com?s Free Credit Report Card or another service. But the truth is …
Publ.Date : Sun, 19 Aug 2012 17:00:00 GMT

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 : Mon, 01 Sep 2014 16:16:00 GMT

How to Get Your Credit Score
(MCT)?By now, most of us understand the importance of a credit score. Mortgage lenders, credit card issuers and, in some cases, insurance companies use this measure of creditworthiness to determine availability and cost of their products. Some employers …
Publ.Date : Wed, 24 Jul 2013 23:59:00 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 12:00:00 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 16:23:00 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 08:20:00 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 : Sat, 05 Apr 2014 01:00:00 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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