Get My Credit Scores

Get My Credit Score

How can I get my credit scores, including credit scores from all three credit reporting bureaus — Equifax, Experian and TransUnion? My credit score or credit report score tells me what lenders think about me as a credit risk.

When I apply for a charge card, refinancing, or auto loan, the prospective lender will check my credit score with one of the three credit bureaus. The credit rating agency will return a score ranging from 300 to 850, based on an algorithm that assigns a credit ranking from such factors as bill-paying history, credit-utilization ratio, and the number of inquiries on my credit report.

The primary factor in determining my credit scores is whether I have paid my bills on time. Even a couple of late bill payments will have a negative effect on my credit ranking.

My credit utilization ratio, another important element in assessing my credit score, calculates my debt as a percentage of the amount of overall credit available to me. Generally, the lower my draw-down on my available credit, the better the effect on my credit report score.

Multiple credit inquiries over a short period of time will hurt my scores. The credit rating agencies will view repeated credit report inquiries as suggesting that I might have some pressing need for money and, consequently, pose a greater risk of default.

My credit score ratings are also influenced by such extraordinary events as bankruptcy and foreclosure filings. A bankruptcy filing will have a devastating effect on my credit score, causing the score to drop as much as 200 points. It will take several years for your credit score to recover from bankruptcy filings.

Personal finance experts recommend that I get my credit scores so I can fix errors in my credit report and improve my credit score prior to applying for credit.

Information contained in my credit report and score issued by one credit bureau may be different from the information reported by the others. For example, my Experian report may show an unpaid credit card or mortgage that is not reflected on my TransUnion and Experian credit reports. So, it is important that I check my credit score with all three credit bureaus. Only my three bureau credit score, also known as the 3-1 credit score or 3 credit score, will give me my credit history as reported by all three 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

Here is the latest news and information from around the web on how I can
Get My Credit Score:



Updated : Wed, 20 Aug 2014 23:40:25 GMT

5 Things You Won\’t Believe Hurt Your Credit Score – Huffington Post (blog)


NerdWallet (blog)
5 Things You Won't Believe Hurt Your Credit Score
Huffington Post (blog)
However, if you closed one of your accounts, your credit utilization would shoot up to 50 percent, negatively affecting your credit score. If you do decide to close an account, make sure your utilization ratio will stay below 30 percent once the
Don't Expect Big Score Boost When Unpaid Debt Falls Off Credit ReportFox Business
Will FICO 9 Fix My Medical Debt?NerdWallet (blog)
Is the Credit Karma Free Credit Report a Scam?SavingAdvice.com

all 18 news articles »

Publ.Date : Tue, 19 Aug 2014 00:34:51 GMT

How I Built an Excellent Credit Score By My Early 20s – U.S. News & World Report (blog)

How I Built an Excellent Credit Score By My Early 20s
U.S. News & World Report (blog)
He also knew that by getting a credit card early, I'd be able to start growing my average age of open credit lines, which is a factor many credit scoring models emphasize. Now, even though I'm still young, my oldest account is seven years old and my

and more »

Publ.Date : Thu, 07 Aug 2014 12:27:02 GMT

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


RisMedia.com
New to U.S.? A Primer on How to Create, Build Credit History
Fox Business
I have just been to the United States and know almost nothing about credit scores and reports. I have a couple of questions: Do I need to open credit report account, or when I get a credit card is my information automatically gathered and sent to the
4 Ways a Low Credit Score Can Cost YouMotley Fool

all 15 news articles »

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

FICO Recalibrates Its Credit Scores – Wall Street Journal


Wall Street Journal
FICO Recalibrates Its Credit Scores
Wall Street Journal
A change in how the most widely used credit score in the U.S. is tallied will likely make it easier for tens of millions of Americans to get loans. AnnaMaria Andriotis joins the News Hub to discuss. Photo: Getty. A change in how the most widely used
Your credit score could go up without you lifting a fingerWashington Post (blog)
Medical Debt Still Stinks, But New Credit Score Change Will Make It Hurt Your The Consumerist
These Are the 5 Best Ways to Improve Your Credit ScoreTIME
MyFoxOrlando.com -WSOC Charlotte -Marketplace.org
all 247 news articles »

Publ.Date : Thu, 07 Aug 2014 21:21:51 GMT

Getting Your Student a Credit Card – Fox Business

Getting Your Student a Credit Card
Fox Business
"I wanted my children to have the security and comfort of knowing that they had a credit card in the case of an emergency," says Sullivan, director of education at nonprofit credit and debt counseling agency Take Charge America. He also knew the

and more »

Publ.Date : Tue, 19 Aug 2014 12:43:18 GMT

How can I get credit without credit? – MSN Money

How can I get credit without credit?
MSN Money
When I get denied for credit cards, I am always told I have "insufficient credit history." Now, how am I supposed to build credit without being able to obtain any? I now have a 2-year car loan in my dad's name with me as a co-signer (this is about to

Publ.Date : Tue, 12 Aug 2014 22:08:54 GMT

FICO is changing the rules on medical bills – WDBJ7


Investopedia
FICO is changing the rules on medical bills
WDBJ7
If you have medical debt in collection your credit score may go up. ?I think that's great because I got a $300,000 cancer bill and I just make minimum wage. And there's no way I could ever pay that. I don't make that my whole life,? said Rosemary McNutt.
Credit score confusion and navigating changesWFLA

all 25 news articles »

Publ.Date : Tue, 12 Aug 2014 22:21:01 GMT

Being Thrifty Hurt My Credit Score (and Could Hurt Yours) – DailyFinance

Being Thrifty Hurt My Credit Score (and Could Hurt Yours)
DailyFinance
Derek Askill/Alamy In the last year, my credit score dropped by more than 30 points. And somehow, it happened … So I was shocked when I logged into CreditKarma (which offers free credit scores and reports from TransUnion) and found that my score had

Publ.Date : Fri, 01 Aug 2014 10:05:06 GMT

Here is more news and information from around the web on how I can
Get My Credit Score:

Get My Credit Score

So remember, the first step to ensure my access to the best credit rates is to Get My Credit Scores.

Get Your Credit Score.

Improve Credit Score

Improve Credit Score

Improve Credit Score

How can I improve my credit score? A good credit score can save you tens of thousands of dollars in interest payments over the life of a loan. Here are six basic steps you should take before you apply for a credit card, mortgage, refinancing or other loan. Following this advice will show you how to improve credit score numbers before you are turned down for a loan or have to pay more for credit.

1. Pay your bills on time. Stay on top of your bills, and pay careful attention to all due dates so that you are never late. Even one late payment can have a negative effect on your credit scores. Mark your calendar to remind you to pay your bills ten days in advance, and then set up email alerts to pester you every day until those bills are paid. If your bank has online bill-pay, set it up to pay your bills automatically so that you know you will never be late. Even one late payment can negatively affect your credit score.

2. Reduce your debts. Minimize the amount of debt you owe at any time, as a percentage of all credit available to you. Estimates of the ideal credit utilization rate range anywhere from 10 to 50%, but most experts agree that utilizing 10 to 15% of credit available to you will ensure you access to the best borrowing rates. Some credit advisers recommend opening additional credit cards or charge accounts to increase the amount of credit available to you at any time. Make sure, however, that you space any new credit card applications over time, as multiple applications may be perceived by the credit score bureaus as indicating a sudden need for credit, and are likely to lower your credit report score.

3. Avoid credit report inquiries. “Hard” credit inquiries will negatively affect your personal credit score. A hard inquiry occurs when apply for a charge card, auto loan or otherwise apply for credit. By contrast, “Soft” inquiries, such as when you get your credit score, do not affect your credit ranking. As a general rule, you should avoid falling for those offers to save 10% on today’s purchase by applying for a store credit card. Multiple requests for credit, such as the store credit card applications which are common around the holidays, will lower your credit scores.

4. Vary your types of credit. You want to try to maintain an assortment of credit sources, such as a car loan, an installment credit card and a mortgage. A mixture of credit sources is generally better for a healthy credit score than having only one credit type. Establishing multiple sources of credit is not easy, but personal finance experts say that consumers maintaining varied credit sources tend to have higher scores than those who have one credit type.

5. Good credit scores favors those who have had credit the longest. Creditors tend to regard those who have a long history with a particular credit card as being a better credit risk. So, you should avoid closing your old credit cards, unless they carry an annual fee. In addition, keeping those old credit cards active will increase the amount of overall credit available to you, which will have a positive effect on your credit score.

6. Keep track of your credit. Personal finance experts recommend that you check your credit score and report frequently, so you can pick up possible errors in your credit history or early signs of identity theft. Many sites provide a free online credit score when you sign up for a trial offer for an identity monitoring service. Many of these credit watch services provide monthly updates alerting you to credit report inquiries or changes to your credit profile.

Following this simple guide on how to improve credit score ratings will reduce your risk of being turned down for a credit card, mortgage or car loan – and save you money.

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 My Credit Score

Get Your Credit Score

Get Your Credit Score

Get Your Credit Score before you are denied a loan or have to pay more for credit. When you order an Online Credit Score, make sure that you are getting your 3 in 1 Credit Score, also known as the Three Bureau Credit Score or Triple Credit Score, as this is the only credit report score which gives you the information reported by all 3 Credit Reporting Companies — Experian, Equifax and TransUnion. When you apply for a credit card, car loan or other credit, the lender or loan provider may order your Credit Report from any of the three national Credit Reporting Agencies. So, when you Get Your Credit Score, you need to make sure you find out the information contained on each of your 3 Credit Scores.

Here is the latest news from across the web on understanding your credit score, plus information on what credit scoring system is used by the three credit score agencies, what credit bureau score is best for you, and how to get your credit score.

Here is more information and news on how you can Get Your Credit Score:



Updated : Wed, 20 Aug 2014 23:40:25 GMT

5 Things You Won\’t Believe Hurt Your Credit Score – Huffington Post (blog)


NerdWallet (blog)
5 Things You Won't Believe Hurt Your Credit Score
Huffington Post (blog)
However, if you closed one of your accounts, your credit utilization would shoot up to 50 percent, negatively affecting your credit score. If you do decide to close an account, make sure your utilization ratio will stay below 30 percent once the
Don't Expect Big Score Boost When Unpaid Debt Falls Off Credit ReportFox Business
Will FICO 9 Fix My Medical Debt?NerdWallet (blog)
Is the Credit Karma Free Credit Report a Scam?SavingAdvice.com

all 18 news articles »

Publ.Date : Tue, 19 Aug 2014 00:34:51 GMT

How I Built an Excellent Credit Score By My Early 20s – U.S. News & World Report (blog)

How I Built an Excellent Credit Score By My Early 20s
U.S. News & World Report (blog)
He also knew that by getting a credit card early, I'd be able to start growing my average age of open credit lines, which is a factor many credit scoring models emphasize. Now, even though I'm still young, my oldest account is seven years old and my

and more »

Publ.Date : Thu, 07 Aug 2014 12:27:02 GMT

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


RisMedia.com
New to U.S.? A Primer on How to Create, Build Credit History
Fox Business
I have just been to the United States and know almost nothing about credit scores and reports. I have a couple of questions: Do I need to open credit report account, or when I get a credit card is my information automatically gathered and sent to the
4 Ways a Low Credit Score Can Cost YouMotley Fool

all 15 news articles »

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

FICO Recalibrates Its Credit Scores – Wall Street Journal


Wall Street Journal
FICO Recalibrates Its Credit Scores
Wall Street Journal
A change in how the most widely used credit score in the U.S. is tallied will likely make it easier for tens of millions of Americans to get loans. AnnaMaria Andriotis joins the News Hub to discuss. Photo: Getty. A change in how the most widely used
Your credit score could go up without you lifting a fingerWashington Post (blog)
Medical Debt Still Stinks, But New Credit Score Change Will Make It Hurt Your The Consumerist
These Are the 5 Best Ways to Improve Your Credit ScoreTIME
MyFoxOrlando.com -WSOC Charlotte -Marketplace.org
all 247 news articles »

Publ.Date : Thu, 07 Aug 2014 21:21:51 GMT

Getting Your Student a Credit Card – Fox Business

Getting Your Student a Credit Card
Fox Business
"I wanted my children to have the security and comfort of knowing that they had a credit card in the case of an emergency," says Sullivan, director of education at nonprofit credit and debt counseling agency Take Charge America. He also knew the

and more »

Publ.Date : Tue, 19 Aug 2014 12:43:18 GMT

How can I get credit without credit? – MSN Money

How can I get credit without credit?
MSN Money
When I get denied for credit cards, I am always told I have "insufficient credit history." Now, how am I supposed to build credit without being able to obtain any? I now have a 2-year car loan in my dad's name with me as a co-signer (this is about to

Publ.Date : Tue, 12 Aug 2014 22:08:54 GMT

FICO is changing the rules on medical bills – WDBJ7


Investopedia
FICO is changing the rules on medical bills
WDBJ7
If you have medical debt in collection your credit score may go up. ?I think that's great because I got a $300,000 cancer bill and I just make minimum wage. And there's no way I could ever pay that. I don't make that my whole life,? said Rosemary McNutt.
Credit score confusion and navigating changesWFLA

all 25 news articles »

Publ.Date : Tue, 12 Aug 2014 22:21:01 GMT

Being Thrifty Hurt My Credit Score (and Could Hurt Yours) – DailyFinance

Being Thrifty Hurt My Credit Score (and Could Hurt Yours)
DailyFinance
Derek Askill/Alamy In the last year, my credit score dropped by more than 30 points. And somehow, it happened … So I was shocked when I logged into CreditKarma (which offers free credit scores and reports from TransUnion) and found that my score had

Publ.Date : Fri, 01 Aug 2014 10:05:06 GMT

So, remember, the first step to ensure my financial health is to Get My Credit Score.

Get My Credit Scores

Get My Credit Score

Get My Credit Score

How do I Get My Credit Score?

Your Credit Score is reviewed by banks, credit card companies, car loan companies and even employers to figure out how likely you are to pay your bills on time. A High Credit Score can save you thousands on fees and interest payments. A low or Average Credit Score means that you will pay more for credit.

You can order your Consumer Credit Score from any of the Three Credit Score Companies — Equifax, Experian and TransUnion. You are also entitled to a free Annual Credit Score if you are denied credit or required to pay more for a loan because of a bad credit score.

How Can I Get My Credit Score For Free?

You can order a Free Credit Score from one of the Online Credit Score providers. Generally, the Credit Bureau Score offers come with a trial offer for a Credit Monitoring Program, which alerts you to credit inquiries and unusual activity involving your credit report. If you cancel the Credit Score Monitoring service prior to the conclusion of the trial period, you will not be charged for the credit report and score.

Why do I need 3 Credit Scores?

It is important that you review All 3 Credit Scores and Get Your Credit Report from 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 Report Score issued by another. Unfortunately, when you apply for credit, you do not know which Credit Bureau Score is used by the credit company or lender. So, it is important that you review your 3 Bureau Credit Score or 3 Credit Reports and Scores when you Check Your Credit Score.

How often should I Get My Credit Score?

Most financial experts recommend that you Find Out Your Credit Score and, if necessary, Get Credit Score Help, frequently to fix errors before they can negatively affect your ability to get credit. Additionally, reviewing your credit report and scores regularly may alert you to early signs of identity theft.

The first step to ensure that I have access to the best credit products is to Get My Credit Score.

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