What is the free/cheapest/best way to get my credit score?

Question

I know you can get your free annual credit report, but I would really like the score.

Answer 1

you have to pay for the score, the reports are free-I think you can get 3 different reports but I have had to pay a minamal $6 or so to get the score-it's worth it to see where you rank.

Answer 2

Cheapest way is through www.annualcreditreport.com. It is only $7.95 per score that way, the same as if you were to order it by mail directly from the credit reporting agencies. The other way, through the credit reporting agencies web site it costs around $15, and if you sign up for one of those 30 day free trial things it can cost hundreds of dollars, as your credit card gets charged every month.

Answer 3

right it somewhat is why canceling enjoying cards can harm your score, extremely. Your credit, aside from on-time bill money, is according to 2 different variables: your earnings to debt ratio and your debt to credit available ratio. as a result, in case you cancel the enjoying cards, permit's say each and each card is granting you a minimum of a $5,000 credit cut back, you're lowering your available credit through only approximately $15,000 whilst your different debts stay a similar. If on that final card you have it maxed out (which you're saying you do no longer, yet case in point), then yeah this could mirror badly. If however you could eliminate the stability on your fourth card, possibly even ask the cardboard employer to strengthen your cut back in case you're thinking of retaining it and you qualify, then slowly cancel the different 3 enjoying cards one after the different, this could positioned you in better shape. nonetheless, the reality you had almost 4 credit enjoying cards on your checklist is going to chew you somewhat at last, yet credit does heal with time. in case you have no longer considered your credit checklist in a whilst, i could try making confident you have no longer have been given any credit card debt and cancel one in each and every of them. Then a month later, verify your credit checklist (you will get a credit checklist for loose as quickly as a 12 months). See the place it falls. something above 650 is considered an surprising score, so in case you're above that, i could think of you would be nice to eliminate the others too.

Answer 4

Take a careful look at your income. If you make $50,000 a year, apply for a $1,000,000 mortgage at any reputable bank (20 X income). You will be turned down, in writing. The US federal government says the credit reporting agency has to provide you a copy of the credit report in this case.

Answer 5

join a credit monitoring service with a free trial period, then cancel long before it ends.

Answer 6

annualcreditreport.com

Answer 7

freecreditreport.com