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, 03 Mar 2015 08:48:57 GMT

The Easiest Way to Check Your Credit?Fast – TIME

 Check Your Credit Score
TIME
 Check Your Credit Score
The Easiest Way to Check Your Credit?Fast
TIME
Today: The 7-Minute Credit Check. To get a handle on your credit history and credit score in just a few minutes, grab a credit card, sit down at your computer, and start the clock. 0:00 There's only one legit site to get your report: annualcreditreport
5 Ways To Improve Your Credit ScoreWFMY News 2
How Much Will My Credit Score Drop If I Miss a Mortgage Payment?Credit.com News (blog)

all 8 news articles »

Publ.Date : Thu, 19 Feb 2015 11:03:59 GMT

Pay attention: These 3 numbers rule your life – CNBC

 Check Your Credit Score
CNBC
 Check Your Credit Score
Pay attention: These 3 numbers rule your life
CNBC
Remember, even if homeownership is of no interest to you and you are simply looking to rent, your credit score still matters. Landlords routinely check them to decide if you will be a risk. "You might be turned down for a rental if you have a poor
How to improve and maintain your credit scoreWTNH

all 3 news articles »

Publ.Date : Wed, 25 Feb 2015 14:00:46 GMT

How to improve your credit score – MoneySense

 Check Your Credit Score
How to improve your credit score
MoneySense
CHECK YOUR SCORES?BOTH OF THEM Anyone contemplating a bank loan should check their credit score six months to a year in advance to ensure there are no surprises or errors. Just keep in mind that Canada has two major credit-reporting agencies: …

Publ.Date : Mon, 02 Mar 2015 13:01:03 GMT

Check Your Credit Before Buying a House – Mortgage Rates & Trends (blog)

 Check Your Credit Score
Mortgage Rates & Trends (blog)
 Check Your Credit Score
Check Your Credit Before Buying a House
Mortgage Rates & Trends (blog)
credit-score If you earn enough to qualify for a mortgage and you're ready for homeownership, you might be eager to begin the process of buying your own property. However, it takes more than income and desire to purchase a home. You must also meet a …

and more »

Publ.Date : Thu, 26 Feb 2015 15:32:51 GMT

Don\’t neglect your credit score – Boston Globe

 Check Your Credit Score
Don't neglect your credit score
Boston Globe
Check your reports by requesting one free credit report from a different reporting agency every four months through AnnualCreditReport.com. Credit inquiries ? from a potential lender and others with permission from you ? can lower your scores slightly.

and more »

Publ.Date : Sun, 08 Feb 2015 01:30:18 GMT

Credit Cards Have Become Your Ticket to Free Credit Scores – U.S. News & World Report (blog)

 Check Your Credit Score
U.S. News & World Report (blog)
 Check Your Credit Score
Credit Cards Have Become Your Ticket to Free Credit Scores
U.S. News & World Report (blog)
In addition to your free credit score, you can check your credit report. You're entitled to a free credit report from each of the three major credit bureaus each year. You can go to AnnualCreditReport.com, and grab one from Equifax, Experian and
3 Sneaky Things Hurting Your Credit (That You Can Easily Fix)Huffington Post
7 Common Credit Score QuestionsCredit.com News (blog)
Rehab your credit scoreLamar Ledger
LowCards.com
all 19 news articles »

Publ.Date : Mon, 09 Feb 2015 13:44:23 GMT

What affects your credit rating and how can you improve it? – Globalnews.ca

 Check Your Credit Score
Globalnews.ca
 Check Your Credit Score
What affects your credit rating and how can you improve it?
Globalnews.ca
You may have heard that each time your credit is checked, your score drops a little lower. Well, that's true, but not to the extent that you may think. When you're shopping around for a mortgage, there's the notion that going to a mortgage broker is

Publ.Date : Mon, 02 Mar 2015 21:17:37 GMT

Give Yourself Some Credit: How to Boost Your Credit Score – DailyFinance

 Check Your Credit Score
DailyFinance
 Check Your Credit Score
Give Yourself Some Credit: How to Boost Your Credit Score
DailyFinance
Woman's hand holding an array of credit cards Getty Images If you watch a lot of TV, it may seem like Americans are obsessed with their credit scores. Remember the ubiquitous freecreditreport.com ads? "F-R-E-E. that spells free." Go ahead, watch them
5 Tips for Traveling with Credit CardsCredit.com News (blog)

all 25 news articles »

Publ.Date : Mon, 16 Feb 2015 11:06:12 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 :

Bought a look at your credit score? You overpaid
If you’re paying to check your credit score, here’s a news flash: You’re overspending. More than 50 million consumers now have “free and regular access” to their credit scores, according to a new report from the Consumer Financial Protection Bureau.
Publ.Date : Fri, 20 Feb 2015 07:50:00 GMT

You can now check your credit score for free
There are still some mysteries in the world of credit scores, which financial institutions use to determine whether to give a person a loan and how much to charge for it. But the biggest unknown – what is your score? – has been solved. While consumers …
Publ.Date : Fri, 20 Feb 2015 06:51:00 GMT

Consumer Reports: 2 sites are now eBays for borrowers and lenders
Here?s what Consumer Reports suggests keeping in mind before turning to a peer-to-peer platform: IF YOU?RE LOOKING FOR A LOAN ? Check your credit score. Your FICO credit score will give you a general idea of what grade you?ll receive from Lending …
Publ.Date : Mon, 02 Mar 2015 15:36:00 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

With Expected Rise in Home Sales, American Consumer Credit Counseling Shares the Top 5 Things Every First Time Homebuyer Should Know
3. Credit reports and trade lines. Be sure to check your credit score before you do anything else. It is the first thing that the bank will do. It’s possible that your report contains mistakes or inaccuracies. These could severely affect your ability to …
Publ.Date : Mon, 02 Mar 2015 02:51:00 GMT

How to check your credit score
It?s the closest thing to an official FICO score as you?re going to get. Here?s our quick guide on how to check your credit score. We can?t guarantee you?ll like what you find, but at least you?ll find it. Skip ahead to a list of tips and …
Publ.Date : Mon, 30 Dec 2013 00:00:00 GMT

5 Tools to Manage Your Money in Retirement
Mint also allows you to check your credit score for free. Mint pulls all of your financial information into the platform, allowing you to see the big picture of your financial situation in one place on a continuous basis. You can add accounts, credit cards …
Publ.Date : Tue, 17 Feb 2015 06:25:00 GMT

9 Simple Money Moves You Can Make in 10 Minutes or Less
Time it takes: Less than 5 minutes. 2. Check your credit score. Roughly half of Americans don’t know their credit score, which is like the financial equivalent of not knowing your Social Security number. Since it affects the kind of interest rates you’ll …
Publ.Date : Thu, 19 Feb 2015 06:46:00 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 : Tue, 03 Mar 2015 08:48:58 GMT

5 Things to Consider Doing When Your Credit Score Hits 740 – U.S. News & World Report (blog)

 Get Credit Score
U.S. News & World Report (blog)
 Get Credit Score
5 Things to Consider Doing When Your Credit Score Hits 740
U.S. News & World Report (blog)
Each credit card application will cause your FICO score to temporarily drop by a few points, and getting too many cards in a short period of time will do further damage. Take advantage of your 740 score, but don't go too far. Otherwise, you'll put it
4 Reasons a Great Credit Score Won't Solve All Your ProblemsCredit.com News (blog)
How To Revive Your CreditSaportaReport

all 4 news articles »

Publ.Date : Mon, 02 Mar 2015 13:37:03 GMT

Credit score dropped? Your insurance rates may rise – WCPO

 Get Credit Score
WCPO
 Get Credit Score
Credit score dropped? Your insurance rates may rise
WCPO
If you think your rates have gone up because of your credit, contact your agent or insurance company directly, if you don't have a local agent. Then explain the mitigating factors, such as the fact you took out a home improvement loan, or were hit with

and more »

Publ.Date : Mon, 02 Mar 2015 23:13:37 GMT

Pay attention: These 3 numbers rule your life – CNBC

 Get Credit Score
CNBC
 Get Credit Score
Pay attention: These 3 numbers rule your life
CNBC
The higher it is, the higher the possibility lenders will take a gamble on you. "Your credit score can be the difference between owning a home or not," said Linda Ferrari, a Los Angeles-based realtor and author of "The Big Score: Getting It and Keeping
How to improve and maintain your credit scoreWTNH
Why Your Credit Score Is the Most Important Number of Your LifeThe Fiscal Times

all 3 news articles »

Publ.Date : Wed, 25 Feb 2015 14:00:46 GMT

10 Tips for Boosting Your Credit Score in 2015 – Huffington Post

 Get Credit Score
TIME
 Get Credit Score
10 Tips for Boosting Your Credit Score in 2015
Huffington Post
Your credit score is more than just a three-digit string of numbers; it holds real power over your ability to rent an apartment, apply for a mortgage, secure a car loan and even get a job. What can you do if your credit score isn't as great as you'd
The Easiest Way to Check Your Credit?FastTIME
5 Ways To Improve Your Credit ScoreWFMY News 2
How Much Will My Credit Score Drop If I Miss a Mortgage Payment?Credit.com News (blog)

all 8 news articles »

Publ.Date : Fri, 20 Feb 2015 03:03:34 GMT

How to Use Your Tax Refund to Build Credit – Credit.com News (blog)

 Get Credit Score
Credit.com News (blog)
 Get Credit Score
How to Use Your Tax Refund to Build Credit
Credit.com News (blog)
Using a low percentage of your available credit can benefit your credit score. If you want to track your credit-building progress, there are many ways to get your credit scores for free, including through Credit.com, where your scores are updated monthly.

and more »

Publ.Date : Tue, 03 Mar 2015 05:38:45 GMT

How Getting a Car Loan Affects Your Credit Report – NerdWallet (blog)

 Get Credit Score
How Getting a Car Loan Affects Your Credit Report
NerdWallet (blog)
As you roll out of the car dealer's parking lot in your brand-new ride, you're probably not thinking much about the auto loan you just signed or how it might affect your credit. But if you're not careful, a few small mistakes may make it difficult for

and more »

Publ.Date : Fri, 27 Feb 2015 14:00:22 GMT

Give Yourself Some Credit: How to Boost Your Credit Score – DailyFinance

 Get Credit Score
DailyFinance
 Get Credit Score
Give Yourself Some Credit: How to Boost Your Credit Score
DailyFinance
Woman's hand holding an array of credit cards Getty Images If you watch a lot of TV, it may seem like Americans are obsessed with their credit scores. Remember the ubiquitous freecreditreport.com ads? "F-R-E-E. that spells free." Go ahead, watch them
5 Tips for Traveling with Credit CardsCredit.com News (blog)

all 25 news articles »

Publ.Date : Mon, 16 Feb 2015 11:06:12 GMT

The 1 Thing That Could Instantly Make Your Credit Score Better – TIME

 Get Credit Score
TIME
 Get Credit Score
The 1 Thing That Could Instantly Make Your Credit Score Better
TIME
Just about everybody has to pay their electric bill, but that payment you make every month to keep the lights on rarely, if ever, makes it into your credit report. And that's too bad, because one of the big three credit bureaus says it could really

and more »

Publ.Date : Thu, 26 Feb 2015 21:07:38 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 Ways To Improve Your Credit Score
Our Gannett news partners found five ways to get your credit score up. Consider keeping old cards open because when you close cards you don’t use that could bring your credit score down. Use your credit card to pay something small like an occasional …
Publ.Date : Thu, 19 Feb 2015 08:59:00 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

Get your credit score free, no strings attached
Now that it’s a new year and many of us are starting our taxes, you might want to check your credit score. After all, it has a big impact on your ability to get a car or home loan. Unfortunately, many websites that offer a “free” credit score are not truly …
Publ.Date : Tue, 20 Jan 2015 08:22:00 GMT

Get your credit score free, no strings attached
Winter Weather Advisory issued February 28 at 4:02AM EST expiring March 1 at 10:00PM EST in effect for: Wayne Winter Weather Advisory issued February 28 at 4:02AM EST expiring March 1 at 10:00PM EST in effect for: Fayette, Union Winter Weather Advisory …
Publ.Date : Thu, 22 Jan 2015 01:42:00 GMT

Get your credit score free, no strings attached
Winter Storm Warning issued February 27 at 1:05PM PST expiring March 2 at 4:00PM PST in effect for: Riverside, San Bernardino, San Diego Wind Advisory issued February 28 at 3:48AM PST expiring February 28 at 4:00PM PST in effect for: Riverside, San Diego …
Publ.Date : Tue, 20 Jan 2015 12:12:00 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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