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 : Sun, 26 Apr 2015 15:12:33 GMT

How Long Does It Take to Get My Free Credit Report? – Credit.com News (blog)


Credit.com News (blog)
How Long Does It Take to Get My Free Credit Report?
Credit.com News (blog)
Q. How long should someone wait for a credit report? I mailed AnnualCreditReport.com requests for a single credit agency report for my daughter and myself, but neither of us have received a response. I do not want to send an additional request and be
What Happens to Your Credit When You Die?STLtoday.com

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Publ.Date : Sun, 26 Apr 2015 04:19:20 GMT

A CFP Answers: \’Will Closing A Credit Card Harm My Credit Score?\’ – Forbes


Forbes
A CFP Answers: 'Will Closing A Credit Card Harm My Credit Score?'
Forbes
In our ?Ask a CFP? Q&A series, we cede the floor to a Certified Financial Planner?, who will address some of the trickiest money topics out there. Today, Tom Gilmour, a CFP with LearnVest Planning Services, discusses whether it's ever wise to cancel

and more »

Publ.Date : Fri, 24 Apr 2015 14:55:28 GMT

Why a 10-Point Drop in Your Credit Score Doesn\’t Matter – U.S. News & World Report (blog)


U.S. News & World Report (blog)
Why a 10-Point Drop in Your Credit Score Doesn't Matter
U.S. News & World Report (blog)
A 10 to 20 point drop in a credit score to get a better financial product is worth the hit. It also doesn't take very long for those points to be recouped if you continue to use credit wisely. Not to mention, the loss of points is irrelevant if you
10 Things Everyone Should Know About Credit ScoresCredit.com News (blog)
Students: Protect your credit score!Campus News

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Publ.Date : Tue, 21 Apr 2015 12:28:20 GMT

Check your credit score for free with these mobile apps – CIO


Forbes
Check your credit score for free with these mobile apps
CIO
While in this altered state, I start thinking about paying off high-interest credit card balances with 0 percent interest balance transfer cards. And that leads me to thinking about my credit score. On that note, I checked out two free mobile apps that
5 Reasons New Lenders Are Ignoring FICO Credit ScoresForbes
Your Money Matters: Understanding your credit scoreWGN-TV

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Publ.Date : Wed, 22 Apr 2015 13:54:58 GMT

Should I Pay To Check My Credit Score? – Investopedia


Investopedia
Should I Pay To Check My Credit Score?
Investopedia
Your FICO score is a great way to quickly gauge the health of your credit, but it's nothing more than a reflection of your credit reports ? which you get for free. If you pull all three of your reports, examine them carefully, clean up any
How Can I Find My Credit Score for Free?Motley Fool
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Publ.Date : Wed, 08 Apr 2015 22:32:24 GMT

What Are My Options if My Credit Score Is Low? – Motley Fool

What Are My Options if My Credit Score Is Low?
Motley Fool
Cash used to be king. But in modern times, plastic has become the payment method of choice. For example, if you don't have a credit card, it's extremely difficult — sometimes even impossible — to rent a car or buy something from an online-based business.

and more »

Publ.Date : Wed, 15 Apr 2015 21:12:29 GMT

Your credit score: What you need to know – Indianapolis Star


Indianapolis Star
Your credit score: What you need to know
Indianapolis Star
A proactive approach to monitoring your credit reports and credit score is critical to protecting this important information, says James P. Nehf, professor at the Indiana University Robert H. McKinney School of Law in Indianapolis. Here are four tips

and more »

Publ.Date : Mon, 20 Apr 2015 15:57:25 GMT

How to Cancel a Credit Card Without Crushing Your FICO Score – The Dough Roller


The Dough Roller
How to Cancel a Credit Card Without Crushing Your FICO Score
The Dough Roller
A listener to the Dough Roller Money Podcast recently sent in a question about credit scores. He wanted to know how canceling a credit card … ratio) and average age of credit. I ask this question because I have United Air Miles Card that I signed up

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Publ.Date : Sat, 25 Apr 2015 13:52:46 GMT

3 Problems With The New FICO Credit Score – Forbes


Forbes
3 Problems With The New FICO Credit Score
Forbes
In my conversations with risk managers, I am hearing that 680 cutoffs are rapidly becoming 650 and even 620. The great credit tightening … Even worse, by forcing people to open credit cards in order to get a score, temptation is put into the hands of
New FICO Score Factors in Utilities & How Often You MoveCredit.com News (blog)

all 149 news articles »

Publ.Date : Thu, 02 Apr 2015 02:05:16 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 : Sun, 26 Apr 2015 15:12:33 GMT

How Long Does It Take to Get My Free Credit Report? – Credit.com News (blog)


Credit.com News (blog)
How Long Does It Take to Get My Free Credit Report?
Credit.com News (blog)
Q. How long should someone wait for a credit report? I mailed AnnualCreditReport.com requests for a single credit agency report for my daughter and myself, but neither of us have received a response. I do not want to send an additional request and be
What Happens to Your Credit When You Die?STLtoday.com

all 15 news articles »

Publ.Date : Sun, 26 Apr 2015 04:19:20 GMT

A CFP Answers: \’Will Closing A Credit Card Harm My Credit Score?\’ – Forbes


Forbes
A CFP Answers: 'Will Closing A Credit Card Harm My Credit Score?'
Forbes
In our ?Ask a CFP? Q&A series, we cede the floor to a Certified Financial Planner?, who will address some of the trickiest money topics out there. Today, Tom Gilmour, a CFP with LearnVest Planning Services, discusses whether it's ever wise to cancel

and more »

Publ.Date : Fri, 24 Apr 2015 14:55:28 GMT

Why a 10-Point Drop in Your Credit Score Doesn\’t Matter – U.S. News & World Report (blog)


U.S. News & World Report (blog)
Why a 10-Point Drop in Your Credit Score Doesn't Matter
U.S. News & World Report (blog)
A 10 to 20 point drop in a credit score to get a better financial product is worth the hit. It also doesn't take very long for those points to be recouped if you continue to use credit wisely. Not to mention, the loss of points is irrelevant if you
10 Things Everyone Should Know About Credit ScoresCredit.com News (blog)
Students: Protect your credit score!Campus News

all 21 news articles »

Publ.Date : Tue, 21 Apr 2015 12:28:20 GMT

Check your credit score for free with these mobile apps – CIO


Forbes
Check your credit score for free with these mobile apps
CIO
While in this altered state, I start thinking about paying off high-interest credit card balances with 0 percent interest balance transfer cards. And that leads me to thinking about my credit score. On that note, I checked out two free mobile apps that
5 Reasons New Lenders Are Ignoring FICO Credit ScoresForbes
Your Money Matters: Understanding your credit scoreWGN-TV

all 58 news articles »

Publ.Date : Wed, 22 Apr 2015 13:54:58 GMT

Should I Pay To Check My Credit Score? – Investopedia


Investopedia
Should I Pay To Check My Credit Score?
Investopedia
Your FICO score is a great way to quickly gauge the health of your credit, but it's nothing more than a reflection of your credit reports ? which you get for free. If you pull all three of your reports, examine them carefully, clean up any
How Can I Find My Credit Score for Free?Motley Fool
After Foreclosures, Home Buyers Are BackWall Street Journal

all 41 news articles »

Publ.Date : Wed, 08 Apr 2015 22:32:24 GMT

What Are My Options if My Credit Score Is Low? – Motley Fool

What Are My Options if My Credit Score Is Low?
Motley Fool
Cash used to be king. But in modern times, plastic has become the payment method of choice. For example, if you don't have a credit card, it's extremely difficult — sometimes even impossible — to rent a car or buy something from an online-based business.

and more »

Publ.Date : Wed, 15 Apr 2015 21:12:29 GMT

Your credit score: What you need to know – Indianapolis Star


Indianapolis Star
Your credit score: What you need to know
Indianapolis Star
A proactive approach to monitoring your credit reports and credit score is critical to protecting this important information, says James P. Nehf, professor at the Indiana University Robert H. McKinney School of Law in Indianapolis. Here are four tips

and more »

Publ.Date : Mon, 20 Apr 2015 15:57:25 GMT

How to Cancel a Credit Card Without Crushing Your FICO Score – The Dough Roller


The Dough Roller
How to Cancel a Credit Card Without Crushing Your FICO Score
The Dough Roller
A listener to the Dough Roller Money Podcast recently sent in a question about credit scores. He wanted to know how canceling a credit card … ratio) and average age of credit. I ask this question because I have United Air Miles Card that I signed up

and more »

Publ.Date : Sat, 25 Apr 2015 13:52:46 GMT

3 Problems With The New FICO Credit Score – Forbes


Forbes
3 Problems With The New FICO Credit Score
Forbes
In my conversations with risk managers, I am hearing that 680 cutoffs are rapidly becoming 650 and even 620. The great credit tightening … Even worse, by forcing people to open credit cards in order to get a score, temptation is put into the hands of
New FICO Score Factors in Utilities & How Often You MoveCredit.com News (blog)

all 149 news articles »

Publ.Date : Thu, 02 Apr 2015 02:05:16 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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