Getting your credit score online
 Your
credit score is
computed based on the contents of your credit report at a given point in time.
You can see your score by ordering your credit
report online, and requesting that the score be included. The report
is just $13.44, and it includes the score. You can see
both in a matter of seconds after completing the credit
report order form. 
Free Credit Score
New: You can now get your free credit score
instantly with a 3-in-1 merged credit report. Only $34.95 for the
credit report and free score, with the option to get the score for all 3 bureaus.
Your score is a number between 400 and 900, on a scale like that used by
lenders and credit card companies. Here's an example of how it is shown in your
browser:
For added perspective, we show your score in 3 extra ways: On a grading scale
of 0 to 100, as category from very poor to excellent, and as a
percentile - your ranking compared to all other U.S. consumers.
Personalized Credit Score Analysis
In addition to your credit report and score, you get Personalized Score
Analysis. It is a detailed report, based specifically on the contents of
your personal credit report. It has 5 main sections:
|
Personalized Score Analysis
Included!
|
About my credit score. What is it
based on? What's the possible range? What other factors are used for
decisions? |
| What my credit score means. What
can be expected for credit card approvals, interest rates, deposits, and
down payments? |
| What does my credit score mean to me?
Knowing the reasons behind your particular score is more important than
knowing your score itself. This knowledge enables you to proactively
manage your credit so you can get better loans. |
What factors are lowering my
credit score? The credit score is based on over 80 factors grouped
into 6 classes. The detailed analysis report specifically explains in
your case, where applicable, which of these factors gives you a low
score, and why.
- Payment
history - Information about the way you paid your credit accounts in
the past, including late payments and bankruptcies.
- Credit
accounts - The number of credit accounts that you have and the
different types of those credit accounts (e.g. credit cards, auto
loans, etc.).
- Credit
usage - The amount of credit you are using, and the amount of credit
still available.
- Length
of credit history - The number of months your credit accounts have
been on your credit report.
- Credit
applications - The number of times you have applied for credit in
the recent past.
- Bankruptcies
- The presence and age of bankruptcy records (if any) on your credit
report.
|
| What factors are raising my
credit score? Which of the above factors are working in your favor? |
Why Get Your Credit Score?
- Prevent surprises when applying for credit. Know where you stand!
- Get the full picture, just as lenders do. Lender's use scores. You
should too.
- Learn what you can do to maintain or improve your score. Personalized
tips and analysis.
- Understand what helps and hurts your score. The positives and
negatives.
- See how you rank among all other U.S. consumers.
| |
|
