How to Check Your Free Credit Score

Many consumers regularly inquire as to how to check your free credit score. Although we might think that this is a very personal and private matter, the fact of the matter is that all of us need a credit score in order to do business in today’s society. A high FICO score can lead to not only greater purchasing power, but it can also enable us to get loans at very competitive interest rates.

How to check your free credit score The easiest way to obtain your FICO score is to request it from one or more of the three reporting agencies. The three major credit reporting companies are Equifax, Experian, and TransUnion. You can request your free report from each of them once a year for free. When you first apply for a loan or other form of credit, your lender will require you to submit a questionnaire. The questionnaire will request information regarding your credit history, which includes a review of your reports from all of the bureaus. If you want to know how to check your free FICO score, you will need to answer the questionnaire with some or all of the answers in the checklist format provided by the lender.

How to check your free credit score Once you receive your free credit score, it is important to compare it to your actual score. In doing this, you will see immediately if there is an error in the calculation. If there is an error, then the difference between the actual score and the estimated score may be significantly different. If the difference is significant enough, it is always advisable to immediately contact the credit reporting agency and request a correction to the error.

How to check your free credit score online Another option available to you when you want to check your free credit score is to access the free credit score online, by visiting the websites of the credit reporting agencies. You will have to fill in a short application form. Once you are done filling the form, you can proceed to enter your name, address, social security number, email address, phone numbers, and other necessary information. Within a few seconds, you will receive your full report, including your scores. This method is often inconvenient, because you have to wait for several hours before you can access the report, and sometimes you are not even able to access the report after you submit the request.

How to check your free credit score on the Internet Another way to check your free credit score online is to use one of the many websites that offer free scorecards, or “money tools.” These tools are usually based on the FICO score system. The most popular tool is the FICO score card, which you can access free from the official website of the Fair Isaac Corporation (FICO). There are also similar tools that can be used online for free. These tools allow you to check your scores, and sometimes they also let you print out your free credit score.

How to check your free credit score with lenders When you are looking for information about how to check your free credit score, it is important to remember that the information you get will only be as accurate as the data it is pulled from. For instance, when you apply for a mortgage or a loan, the lender is required to pull a copy of your credit history. This copy will then be used to determine your credit score. Because the lender may use different factors in determining your score, it is best for you to review your report and dispute any errors with the credit bureaus.

How to check your free credit score with employers use a different type of scoring process when evaluating job candidates than do credit bureaus. For this reason, your score is of great importance to potential employers. Unfortunately, many potential employees do not realize that they can get a copy of their credit score from an outside source. By checking with your employer, or by asking your human resources department if you qualify to receive a copy of your score, you can get all of the details on how to properly check your credit score with prospective employers.

How to check your free credit score with banks If you have applied for a mortgage or a loan, you probably received a notice from your bank informing you that you were approved. This typically indicates that your score is as well. However, it is important to note that many banks and other lending institutions to check your report annually, which means that if you did not receive notice in the mail that you were approved, chances are good that your score was not as high as it could be. In most cases, you can request a copy of your report from the bank after you receive the notice that you were approved. To learn more about checking your free credit score, register for a free account today.