Where can I check my credit score?
Many people don’t know how to check their credit scores. Instead of taking control of their financial future, they start to ask questions like, “Where can I check my credit score?”
Fortunately, finding your credit score isn’t difficult, and there are a number of different options in front of you. Every year, Americans are allowed to receive one free credit report from each of the three major consumer reporting agencies, including Equifax, Experian, and TransUnion.
Where can I get my credit report?
Many people are unaware of the difference between your credit report and your credit score. While Americans can receive a free credit report every year, credit scores usually cost a small amount of money.
The three consumer reporting agencies have set up a joint website where anybody can order their free credit report. It’s called AnnualCreditReport.com. This is an official government website where anybody with a Social Security Number can obtain a free credit report.
This free credit report will list all information pertaining to your credit. It will show you how many times your credit has been used over the last year, as well as the amount you currently owe on existing lines of credit.
Like all free online services, there is one major drawback to this free credit report: it doesn’t tell you your actual credit score. While it gives you all of the information used to determine your credit score, the report won’t tell you the actual number between 300 and 850. If you’ve been asking people “where can I check my credit score?” then you won’t find the information you’re looking for in a free online credit report.
Finding your credit score
To find your actual credit score number, you can turn to a number of different online solutions. Each credit score company varies in terms of price, speed, and accuracy, so it’s important to choose the right website.
These third-party websites make it as easy as possible to find your credit score. Simply input your basic personal information, and they’ll access the FICO database to find your exact credit score number.
Credit scores are based on a sliding scale of credit worthiness. The higher your credit score is, the less risky you are as a lender. Your score is calculated based on factors like the length of credit history, the amount of credit used, and your history of paying back loans on time, among other things.
In general, credit ratings above 700 are considered very good or excellent. This is the top range of the credit rating scale, and the closer you get to 850, the easier it will be to access financing options.
Credit scores in the 600s are considered average to good, while anything below 580 is generally considered to be a poor credit score.
To find out your credit score today, register for Profinity Credit. They have a free trial, so you can check your credit score without paying a cent. Just click here to find out your credit score with them!