How do I find out my what my credit score is?

Question

I don't mean a credit report, but my actual credit score. Is there a way to get it for free? Where do you recomment that I get it from? How often should I check it and what makes it go up or down? Also, I know that too may inquiries look bad and may cost points, but is requesting my score considered to be an inquiry and will it cost me points? Please be specific/ give examples with your answers. Thanks so much

Answer 1

never ever ever go to freecreditreport.com its a scam. Go to annualcreditreport.com it is free, if you want the score you have to pay 7.95. too many inquiries look bad If you are shopping credit cards. Mortgages and Car loans are different, they don't affect you the sanmme way. The best way to get a score is to have someone run a trimerge. Some banks will do it if you tell them you are looking into a loan of some sort. I run them alllll day long. Depending on your state you can get a free CBR once a year. You also can call/write to Experian, Equifax and Transunion. Depending on the reason for running your score, it may not effect your score. Hope that helps!

Answer 2

Requesting your credit score or credit report does not affect your credit score and does not cost points. The best way to get your credit score is to get your credit report. With your credit report in hand, go into a bank and ask the "Customer Service" rep what your credit score is. It should be clearly stated on the credit report, if not this person can help you figure it out.

If you apply for a loan and are turned down, the credit reporting service is required to give you a copy of your credit report free of charge.

The cost of a credit report for yourself is about $10.00. Multiple inquiries usually occur if a person is shopping around for a loan. Points are charged by a loan institution and have nothing to do with your credit score.

Answer 3

I don't think you can get your credit score for free, unless a lender has recently done a check for you if you've applied for a loan. Then, you can request the report/score from them for free. The three major companies that handle credit reporting are Equifax, Experion, and TransUnion. You should not check your score freqently as it does affect your score. I'm not sure how many points, however, but it's worth 10% of your credit score. Any credit checks done wipe clear in one year, so that's good. You could check out this site to obtain your score. There is pricing there... http://creditscore.divinfo.com/

Answer 4

You can contact any of the three credit reporting bureaus: Experion, Equifax or TransUnion and request a copy of your credit score. I believe each agency charges a fee for this; however, I'm not sure what each one charges. Requesting a copy of your score should not affect your credit score too much. Most of the time, it doesn't affect it, but only 1-3 points or so if at all.

Answer 5

www.creditexpert.com is the Expieran credit montly monitoring service. Its a free 30 day trial, and you can get unlimited credit reports and scores from Experian in the trial, and then 10 bucks a month for the service. I have it in case some fraudulant stuff shows up, they will alert me immediately!

Answer 6

Go to www.annualcreditreport.com and you can get it for free, direct from the three major credit repositories in the US. There are also services to get only your score, etc.

Make sure you get it from this source and it won't ding your FICO score, and won't cost you money. It's a great resource, only drawback is you can only get it for free once a year, as I understand it.

Best to you