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 : Tue, 23 Sep 2014 22:23:11 GMT

11 Simple Ways You Can Boost Your Credit Score – DailyFinance


DailyFinance
11 Simple Ways You Can Boost Your Credit Score
DailyFinance
They use that boatload of data to create your FICO score, which in turn is used by lenders to determine your credit risk. And that credit score can determine whether you will be turned down for a car loan — or if you'll get the 0 percent interest
America's Obsession With Credit ScoresNational Mortgage Professional Magazine
Some tips for your good creditSunbury Daily Item

all 9 news articles »

Publ.Date : Mon, 22 Sep 2014 14:15:41 GMT

A secured credit card can help to establish or mend credit – Washington Post

A secured credit card can help to establish or mend credit
Washington Post
And yet we live in a society that judges our ability to get credit ? and in many cases a job, insurance and even a security clearance ? on the basis of our credit behavior. Following a … All of our credit is in his name. A banker advised that I
Fewer students trapped by credit card debtASU Herald

all 4 news articles »

Publ.Date : Thu, 18 Sep 2014 15:54:21 GMT

No shortcuts to boost your credit score – Boston Globe


Boston Globe
No shortcuts to boost your credit score
Boston Globe
But when I say that, I get blank stares of disbelief or heavy breaths. It can't be that easy. Surely there is some trick to the system. No secret. No trick. Go back and read my opening line: There are no shortcuts to strengthening your credit score
New FICO Scoring Model Won't Matter for MortgagesNerdWallet (blog)

all 15 news articles »

Publ.Date : Thu, 11 Sep 2014 04:44:07 GMT

4 Mistakes That Can Kill Your Credit Score – U.S. News & World Report (blog)


Credit.com News (blog)
4 Mistakes That Can Kill Your Credit Score
U.S. News & World Report (blog)
You've worked hard to build a respectable credit score ? the last thing you'd want is for a few mistakes to ruin your history for years to come. As you make financial decisions on a daily basis, keep these mistakes in mind, and do your best to avoid them.
I Paid Off My Mortgage & My Credit Score Dropped 150 PointsCredit.com News (blog)

all 4 news articles »

Publ.Date : Thu, 11 Sep 2014 12:56:04 GMT

Maxing Out Card Might be Worth Temporary Credit Score Ding – Fox Business


Investopedia
Maxing Out Card Might be Worth Temporary Credit Score Ding
Fox Business
My credit score is in the mid 500s. The ONLY reason I applied for the card is so I can purchase a laptop for school (nothing fancy, I was thinking one that was around $300-$400). My plan was to use the $300 and then make monthly payments. Now, I'm …
My biggest credit card mistake: Experts share their storiesMSN Money
Getting A Secured Credit CardInvestopedia
6 Surprising Reasons You Can't Get That Credit CardTIME

all 48 news articles »

Publ.Date : Tue, 26 Aug 2014 21:14:37 GMT

How Closing Cards and Student Loans Affects FICO Scores – Fox Business


Credit.com News
How Closing Cards and Student Loans Affects FICO Scores
Fox Business
I'm not using my credit card to pay off my student loans. I want to … When considering the scoring impacts of open versus closed cards, the scorer mostly looks at the credit utilization (card balance/limit ratio) calculations that make up 30% of your
Learn all about credit scoresJackson Sun
How to Handle Common Credit Report ErrorsHuffington Post

all 12 news articles »

Publ.Date : Fri, 29 Aug 2014 21:04:04 GMT

TransUnion tells Chagrin Falls woman she has "C" credit, but it\’s really "D … – The Plain Dealer – cleveland.com


The Columbian
TransUnion tells Chagrin Falls woman she has "C" credit, but it's really "D
The Plain Dealer – cleveland.com
Q: I plan to try to get an auto loan soon. I went to check my credit report at TransUnion and paid $29.99 to see my scores from all three reporting agencies. TransUnion provided me with 3 "Vantage" scores — in the high "C" (prime) category. The scores
Singletary: Some tips for building good creditThe Columbian

all 5 news articles »

Publ.Date : Fri, 19 Sep 2014 12:11:25 GMT

The Color of Money | How to improve a credit score: Pay on time – Columbus Dispatch


azcentral.com
The Color of Money | How to improve a credit score: Pay on time
Columbus Dispatch
But when I say that, I get blank stares of disbelief or heavy breaths. It can't be that easy. Surely there is some trick to the system. No secret. No trick. Go back and read my opening line: There are no shortcuts to strengthening your credit score
There are no shortcuts, but you can boost your credit scoreHeraldNet
Good Question: Buying a home comes down to creditPittsburgh Post Gazette

all 12 news articles »

Publ.Date : Sun, 14 Sep 2014 14:11:17 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 : Tue, 23 Sep 2014 22:23:11 GMT

11 Simple Ways You Can Boost Your Credit Score – DailyFinance


DailyFinance
11 Simple Ways You Can Boost Your Credit Score
DailyFinance
They use that boatload of data to create your FICO score, which in turn is used by lenders to determine your credit risk. And that credit score can determine whether you will be turned down for a car loan — or if you'll get the 0 percent interest
America's Obsession With Credit ScoresNational Mortgage Professional Magazine
Some tips for your good creditSunbury Daily Item

all 9 news articles »

Publ.Date : Mon, 22 Sep 2014 14:15:41 GMT

A secured credit card can help to establish or mend credit – Washington Post

A secured credit card can help to establish or mend credit
Washington Post
And yet we live in a society that judges our ability to get credit ? and in many cases a job, insurance and even a security clearance ? on the basis of our credit behavior. Following a … All of our credit is in his name. A banker advised that I
Fewer students trapped by credit card debtASU Herald

all 4 news articles »

Publ.Date : Thu, 18 Sep 2014 15:54:21 GMT

No shortcuts to boost your credit score – Boston Globe


Boston Globe
No shortcuts to boost your credit score
Boston Globe
But when I say that, I get blank stares of disbelief or heavy breaths. It can't be that easy. Surely there is some trick to the system. No secret. No trick. Go back and read my opening line: There are no shortcuts to strengthening your credit score
New FICO Scoring Model Won't Matter for MortgagesNerdWallet (blog)

all 15 news articles »

Publ.Date : Thu, 11 Sep 2014 04:44:07 GMT

4 Mistakes That Can Kill Your Credit Score – U.S. News & World Report (blog)


Credit.com News (blog)
4 Mistakes That Can Kill Your Credit Score
U.S. News & World Report (blog)
You've worked hard to build a respectable credit score ? the last thing you'd want is for a few mistakes to ruin your history for years to come. As you make financial decisions on a daily basis, keep these mistakes in mind, and do your best to avoid them.
I Paid Off My Mortgage & My Credit Score Dropped 150 PointsCredit.com News (blog)

all 4 news articles »

Publ.Date : Thu, 11 Sep 2014 12:56:04 GMT

Maxing Out Card Might be Worth Temporary Credit Score Ding – Fox Business


Investopedia
Maxing Out Card Might be Worth Temporary Credit Score Ding
Fox Business
My credit score is in the mid 500s. The ONLY reason I applied for the card is so I can purchase a laptop for school (nothing fancy, I was thinking one that was around $300-$400). My plan was to use the $300 and then make monthly payments. Now, I'm …
My biggest credit card mistake: Experts share their storiesMSN Money
Getting A Secured Credit CardInvestopedia
6 Surprising Reasons You Can't Get That Credit CardTIME

all 48 news articles »

Publ.Date : Tue, 26 Aug 2014 21:14:37 GMT

How Closing Cards and Student Loans Affects FICO Scores – Fox Business


Credit.com News
How Closing Cards and Student Loans Affects FICO Scores
Fox Business
I'm not using my credit card to pay off my student loans. I want to … When considering the scoring impacts of open versus closed cards, the scorer mostly looks at the credit utilization (card balance/limit ratio) calculations that make up 30% of your
Learn all about credit scoresJackson Sun
How to Handle Common Credit Report ErrorsHuffington Post

all 12 news articles »

Publ.Date : Fri, 29 Aug 2014 21:04:04 GMT

TransUnion tells Chagrin Falls woman she has "C" credit, but it\’s really "D … – The Plain Dealer – cleveland.com


The Columbian
TransUnion tells Chagrin Falls woman she has "C" credit, but it's really "D
The Plain Dealer – cleveland.com
Q: I plan to try to get an auto loan soon. I went to check my credit report at TransUnion and paid $29.99 to see my scores from all three reporting agencies. TransUnion provided me with 3 "Vantage" scores — in the high "C" (prime) category. The scores
Singletary: Some tips for building good creditThe Columbian

all 5 news articles »

Publ.Date : Fri, 19 Sep 2014 12:11:25 GMT

The Color of Money | How to improve a credit score: Pay on time – Columbus Dispatch


azcentral.com
The Color of Money | How to improve a credit score: Pay on time
Columbus Dispatch
But when I say that, I get blank stares of disbelief or heavy breaths. It can't be that easy. Surely there is some trick to the system. No secret. No trick. Go back and read my opening line: There are no shortcuts to strengthening your credit score
There are no shortcuts, but you can boost your credit scoreHeraldNet
Good Question: Buying a home comes down to creditPittsburgh Post Gazette

all 12 news articles »

Publ.Date : Sun, 14 Sep 2014 14:11:17 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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