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 : Mon, 22 Dec 2014 15:55:21 GMT

How Many Credit Scores Do You Have, and Which One Matters Most? – Motley Fool

 Check Your Credit Score
Motley Fool
 Check Your Credit Score
How Many Credit Scores Do You Have, and Which One Matters Most?
Motley Fool
Inquiries are a big reason for scores to be slightly different from one another. As I'll discuss later, when you apply for a credit account, the lender might only check one of your credit reports. Inquiries can be a slightly negative factor in your

and more »

Publ.Date : Sun, 21 Dec 2014 18:44:48 GMT

6 Credit Score Myths Debunked – Huffington Post

 Check Your Credit Score
NerdWallet (blog)
 Check Your Credit Score
6 Credit Score Myths Debunked
Huffington Post
When you check your credit score and credit report with one of the three major credit bureaus, that's a soft inquiry and doesn't affect your score. However, whenever an outside party checks your credit score ? typically when you apply for a new line
Bad Credit: 5 Ways It Can Hurt YouNerdWallet (blog)
Why rich people still need good creditUSA TODAY

all 18 news articles »

Publ.Date : Sun, 14 Dec 2014 13:27:45 GMT

5 Steps to Improve Your Credit in 2015 – U.S. News & World Report (blog)

 Check Your Credit Score
5 Steps to Improve Your Credit in 2015
U.S. News & World Report (blog)
Total hard credit inquiries. Hard inquiries typically occur when a potential lender checks your score to make a lending decision. A multitude of hard inquiries on your report may send a red flag to creditors that you're desperate for credit or aren't

and more »

Publ.Date : Thu, 18 Dec 2014 14:05:39 GMT

Preapproval\’s the Secret for Not Dinging Your Credit Score – DailyFinance

 Check Your Credit Score
DailyFinance
 Check Your Credit Score
Preapproval's the Secret for Not Dinging Your Credit Score
DailyFinance
So, to reduce your chance of being rejected, you can visit a bank's website and see if you are preapproved for an offer. Checking to see if you are preapproved has no impact on your credit score. You can then check several banks and only apply once you …

and more »

Publ.Date : Fri, 12 Dec 2014 11:00:01 GMT

Saving with 6abc: Avoid problems by checking your credit score – 6abc.com

 Check Your Credit Score
6abc.com
 Check Your Credit Score
Saving with 6abc: Avoid problems by checking your credit score
6abc.com
Your credit score is based on your credit reports. But a Consumer Reports' survey finds close to half of Americans never check their credit reports to make sure they're accurate. Errors can wreak havoc with your finances and take a long time to untangle.
Consumer Reports: Credit reportsWLS-TV

all 4 news articles »

Publ.Date : Thu, 11 Dec 2014 20:27:23 GMT

20 things every 20-something should know about credit – The Seattle Times

 Check Your Credit Score
Credit.com News (blog)
 Check Your Credit Score
20 things every 20-something should know about credit
The Seattle Times
Also, the scoring systems actually penalize you for having debt. You can pay your balance in full each month to grow your credit score without taking on any debt. 10.Your credit score will not drop if you pull your own reports or scores. You can check
Which Credit Score Should I Pay Attention to?Credit.com News (blog)

all 12 news articles »

Publ.Date : Sun, 30 Nov 2014 04:02:49 GMT

Credit Score: Hard Vs. Soft Inquiry – Investopedia

 Check Your Credit Score
Investopedia
 Check Your Credit Score
Credit Score: Hard Vs. Soft Inquiry
Investopedia
Financial institutions, creditors ? even prospective employers ? want to know and your credit report is how they find out. Sometimes they check you out without you knowing sometimes it can have a negative effect on your credit score. That could spell

and more »

Publ.Date : Tue, 02 Dec 2014 17:20:55 GMT

From Good Credit to Excellent Credit: Transform Your Score – NerdWallet (blog)

 Check Your Credit Score
NerdWallet (blog)
 Check Your Credit Score
From Good Credit to Excellent Credit: Transform Your Score
NerdWallet (blog)
First and foremost, if you want to transform your score, you'll need to pay down your debt. Carrying a large debt load ? even if you're making your payments on time ? isn't good for your credit score. If you can reduce the amount you owe to less than

Publ.Date : Fri, 19 Dec 2014 00:35:18 GMT

Will a 0% Interest Credit Card Improve Your Credit Score? – NerdWallet (blog)

 Check Your Credit Score
NerdWallet (blog)
 Check Your Credit Score
Will a 0% Interest Credit Card Improve Your Credit Score?
NerdWallet (blog)
If you have a lot of debt now, it's also a good move to pay some of that down before getting a new credit card. Then, if you still want a credit card, make sure you do your homework and check out the Nerds' picks for your particular situation and

Publ.Date : Fri, 19 Dec 2014 13:30:59 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 16:49:00 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 : Mon, 30 Dec 2013 00:00:00 GMT

How to check your credit score for free
There are three major credit reference agencies in Britain: Equifax, Experian and Callcredit. Don?t ever assume that the information they hold on your file is correct, particularly if you are planning to apply for a mortgage, loan or credit card.
Publ.Date : Thu, 06 Nov 2014 03:37:00 GMT

5 Steps to Take Before Deciding to Buy a Home
Review your credit profile to determine where you are. You can check your credit score and credit report from TransUnion for free on Credit Karma. There are many things to think about before deciding to buy a house. It’s worth the time to go through each …
Publ.Date : Wed, 17 Dec 2014 09:47:00 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

Best Auto Loan Interest Rates: How to Get Them
Credit scores are the primary determinant of who gets approved for loans, and if you didn’t check your credit score before you applied the first time, it behooves you to do so before applying again. Many loan applications automatically trigger a credit …
Publ.Date : Thu, 18 Dec 2014 06:33:00 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 : Wed, 06 Aug 2014 22:00:00 GMT

Getting Debt Free
This morning we?ll take a look at the 10 commandments of getting debt free. What can happen if you ignore calls from debt collectors? How often should you check your credit score? Are using those cash advance places a good idea?
Publ.Date : Tue, 16 Dec 2014 12:31:00 GMT

Check your credit score Friday
Wood County UW-Extension Family Living is promoting the “Check Your Free Credit Report Campaign: 2/2, 6/6, 10/10,” to remind people to view their three free reports each year on Feb. 2, June 6 and Oct. 10. Each date represents a day to set aside five …
Publ.Date : Mon, 02 Jun 2014 17:15:00 GMT




My Credit Scores
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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 : Mon, 22 Dec 2014 16:14:11 GMT

How to Avoid Credit Score and Credit Report Scams – Nasdaq

 Get Credit Score
How to Avoid Credit Score and Credit Report Scams
Nasdaq
Consumers' interest in their credit scores, and their credit in general, is yet another hook for those running scams. Whether it's to get you to pay for things you shouldn't, get your personal information or steal your identity, scams involving credit

Publ.Date : Sun, 21 Dec 2014 01:56:40 GMT

The monthly bill that could save ? or destroy ? your credit score – Washington Post

 Get Credit Score
The monthly bill that could save ? or destroy ? your credit score
Washington Post
Credit scores typically pick up when are you making payments on all of your obligations, right? You'll get hurt if you're not making payments and you'll get benefits if you are making payments. What happens is, when you add the rental payment to the

and more »

Publ.Date : Wed, 10 Dec 2014 20:20:57 GMT

My Christmas wish list: You should be able to block robocalls, get your credit … – cleveland.com

 Get Credit Score
My Christmas wish list: You should be able to block robocalls, get your credit
cleveland.com
Credit cards are starting to tell customers their credit score every month as standard procedure. Ohio is reforming municipal taxes so you don't have to file a tax return for every city you drive through during your work day. Mortgage documents are

Publ.Date : Fri, 19 Dec 2014 11:13:01 GMT

No Credit History (Probably) Won\’t Hurt Your Job Search – NerdWallet (blog)

 Get Credit Score
NerdWallet (blog)
 Get Credit Score
No Credit History (Probably) Won't Hurt Your Job Search
NerdWallet (blog)
If you get rejected based on your credit information, the employer is also required to provide you with a copy of your credit report and an explanation. Besides the FCRA guidelines, 11 states have additional restrictions about how credit reports can be

and more »

Publ.Date : Fri, 19 Dec 2014 23:49:15 GMT

5 Surprising Things That Can Hurt Your Credit Score – Motley Fool

 Get Credit Score
Motley Fool
 Get Credit Score
5 Surprising Things That Can Hurt Your Credit Score
Motley Fool
If you are like many Americans with credit cards they don't use anymore, it can be tempting to close the accounts, especially if they have annual fees attached. Before you do this, you should know that your credit score is likely to get (temporarily
6 Credit Score Myths DebunkedHuffington Post
This is How Your Credit Score is Actually CalculatedNasdaq
How to Use a Bad Credit Credit Card to Boost Your FICO ScoreNerdWallet (blog)
Go Banking Rates -USA TODAY
all 18 news articles »

Publ.Date : Sun, 14 Dec 2014 18:33:15 GMT

Preapproval\’s the Secret for Not Dinging Your Credit Score – DailyFinance

 Get Credit Score
DailyFinance
 Get Credit Score
Preapproval's the Secret for Not Dinging Your Credit Score
DailyFinance
Credit report document paperwork credit score account cover experian free credit report number history tracking background Cassandra Hubbart/AOL The almighty FICO score has a big impact on how we make financial decisions, and for good reason.

and more »

Publ.Date : Fri, 12 Dec 2014 11:00:01 GMT

5 Steps to Improve Your Credit in 2015 – U.S. News & World Report (blog)

 Get Credit Score
NerdWallet (blog)
 Get Credit Score
5 Steps to Improve Your Credit in 2015
U.S. News & World Report (blog)
If you want to begin tackling your credit, your starting point should be your credit report. This important document is used to calculate your credit score, so it's critical to monitor your report regularly and ensure that it's updated and accurate
Does Freezing Your Credit Hurt Your Good Credit Score?NerdWallet (blog)

all 4 news articles »

Publ.Date : Thu, 18 Dec 2014 14:05:39 GMT

What\’s your credit score? Here\’s how you can get an idea — legitimately … – cleveland.com

 Get Credit Score
Investopedia
 Get Credit Score
What's your credit score? Here's how you can get an idea — legitimately
cleveland.com
One of the best things people can do for their financial health is to know roughly what their credit score is. I can't tell you how often I talk with older folks who wonder why their home and auto insurance went up, and it's because they don't use
What Is A Good Credit Score?Investopedia

all 2 news articles »

Publ.Date : Fri, 05 Dec 2014 14:55:21 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 :

My Christmas wish list: You should be able to block robocalls, get your credit score more easily, do your taxes more quickly: Money Matters
CLEVELAND, Ohio — It’s time for my 10th annual “What I want for Christmas” list. Some wishes from Christmases past have come true: Credit cards are starting to tell customers their credit score every month as standard procedure. Ohio is reforming …
Publ.Date : Fri, 19 Dec 2014 06:00:00 GMT

4 Ways to Keep the Grinch From Stealing Your Good Credit
4. Check Your Credit Reports & Credit Scores The end of the year is also a great time to pull your credit report and/or get your credit score and compare it to your last one. Check your credit reports for any incorrect or unfamiliar information …
Publ.Date : Tue, 09 Dec 2014 08:04:00 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 : Fri, 19 Dec 2014 11:04:00 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 …
Publ.Date : Wed, 16 May 2012 11:56:00 GMT

Can You Really Get Your Credit Score for Free?
Free Credit Check & MonitoringSign up for your Credit.com and get a FREE credit score plus personalized Action Plan to help you improve it. FREE and updated every 30 days. Yes, it?s true that the three-digit number that represents your credit score can …
Publ.Date : Sun, 19 Aug 2012 17:00:00 GMT

Why It\’s Important to Get Your Credit Score Even If You\’re Warren Buffett
There’s a reason why the vast majority of articles about the importance of credit scores are targeted at folks who have either credit challenges or no credit at all. If you’re a young person who hasn’t had a chance to establish a credit history or if you …
Publ.Date : Thu, 06 Nov 2014 09:59:00 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

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 10:28:00 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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