how can I check my credit score?

Question

Is there a website that I can see my credit score for free? Also,Someone told me that my score l will lower everytime I look at it... is that true?

Answer 1

Very true....altought it veries with each person.

Im sorry baby but i work in a mortgage company i know these things........

they are many things that trigger your scores to drop.....but the most important is that after checking your credit you positively need to wait 6 months before re-runing credit or opening any new credit!...yes thats also applying.

If you like more info on refinancing or buying call LYDIA CASTRELLON @ MORTGAGE SOLUTIONS

#760-241-6101

TELL HER THAT ARLENE REFFERED YOU....
SO SHE CAN SEND YOU A FREE CREDIT ANALYSER.

Answer 2

There are codes in place to ward off this from occurring while searching for an house. extremely, the codes differentiate from exams due on your application for credit (which point out an attempt to extend your available liabilities) and exams for verification applications like renting an house or employing for a activity the place sturdy credit is needed (alongside with a economic enterprise). If there's a credit examine by way of activity examine, the score isn't decreased in any respect. in spite of if this is a examine for residential applications, your score is merely deducted as quickly as the employer comments affirmation of a contractual criminal accountability, alongside with the quantity each and each month you have obligated your self for.

Answer 3

all you do is enter in the search query for check my credit score. It will then lead you thorugh the process and trust me unless you remember dates well it is a lot easier to do on the telephone. On line the verification process is a little more stricter but for obvious reasons so you may be asked where you worked or lived at a given date. As for it lowering your score I strontly doubt that.

Answer 4

Supposedly, buying it online from freecreditreport.com, experian.com, truecredit.com etc... will NOT hurt your credit scores. You aren't applying for credit, so it's supposed to be a review hit, not a hard pull.

They're really only free if you cancel the subscription right away though.

Answer 5

Go to http://www.bad-credit-credit-card-for-people-with-bad-credit.info/annualfreecreditreport.html and it has a link to the Federal Trade Commission's website on how to get a truely free credit report ever year.

Answer 6

DO NOT DO IT ONLINE.

I didn't even get the credit score report and the company has charged my credit card several times for it.

I'm not lying. I had to cancel my credit card because of it.
that site sold my credit card number to other sites and I've had over $150 charged to my credit card without my consent.

Do not trust the internet.
Go to your bank and get it done there.

Answer 7

5 steps to better credit

Correct blatant mistakes. Your credit score is only as good as what shows up in your credit report. Review your reports from all three credit bureaus for accuracy once a year as well as several months before applying for a loan. Changing a mistake on your report - such as a payment that is wrongly labeled as late -- can take 30 days to three months, sometimes longer.

Pay your bills on time. This is always a good practice, and it's especially critical that you make prompt payments close to the time you need a loan. That's because a late or missed payment in the last few months is likely to lower your score much more than an isolated late payment five years ago.

Reduce your credit card balances. A heavily weighted factor in your FICO score is how much money you owe on your credit cards relative to your total credit limit. Generally, it's good to keep your balances at or below 25 percent of your credit card limit, said Jeanne Kelly, founder of The Kelly Group in Brookfield, Conn., which helps clients improve their credit scores.


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Pay off debt rather than moving it around. Since the ratio of your credit card balance to your credit limit is key, closing out an account and transferring the balance simply means you increase that ratio, which is likely to lower your score. In other words, say you owe a total of $2,000 on four credit cards, each of which has a $2,000 limit. Your total credit limit is $8,000, of which your total balance ($2,000) accounts for 25 percent. If you transfer all your balances to two cards and cancel the other two, your total credit limit is reduced to $4,000, and your $2,000 balance now accounts for 50 percent of that limit.




Don't close unused credit card accounts near loan time. If you have several credit card accounts but are only using a few of them, you'll only raise your balance-to-limit ratio if you close the unused ones. You also shouldn't open new accounts when applying for a loan if possible. If you have a short credit history or very few accounts, opening a new credit line may lower your score since you don't have a proven track record, said Jan Davis, an executive vice president at TransUnion. What's more, a new account will lower the average age of your accounts, another factor in your FICO score.


Where can I get my score?

To find out specifically what you must do to raise your score, you can order your score report from all three national credit bureaus. In addition to your score, you'll get your credit report, an indication of how your score ranks nationally and an explanation of how you can boost your standing.

There are two reasons to get your score from all three bureaus: First, each bureau may have slightly different information about you depending on which companies have reported to them on your accounts -- reporting is not mandatory and many companies will report more regularly to the bureau based in their region. Second, mortgage lenders often look at all three of the bureaus' FICO scores and take the middle score - not the average -- to assess your eligibility, said Michael Daversa of Atlantic National Mortgage in Westport, Conn. So it's in your interest to know what that middle score is and make it the best it can be.

Currently, only Equifax offers consumers their actual FICO score. It can be purchased online for $12.95 at Equifax or myFICO.com. TransUnion and Experian sell their own score brands, but spokesmen for the two bureaus say their scores are comparable to FICO scores in that any advice they give you to improve your score will apply to the FICO score as well.

Like Equifax, the Experian score can only be purchased online for $12.95. The TransUnion score (included whenever you buy your TransUnion credit report, which will cost up to $9.00 depending where you live) may be purchased online, by mail, or, in some cases, by phone.

If you were denied credit, you're entitled to a free credit report from the bureau supplying the information that was the basis for denial. Some states also entitle residents to a free credit report at least once a year. There is, however, no requirement that credit scores be offered free, although with TransUnion your score is automatically included in your report, whether you get it free or not.

Answer 8

yes after the third time checking your score it does come down but only a point or two

Answer 9

yes everytime you check you credit it will lower and to check it go to checkmycreditreport.com

Answer 10

By law you are allowed one free credit report per year.
Also I've seen www.freecreditreport.com on TV before.