How Do I Check My FICO Score and Credit Report For Free?
As you may already know, your FICO score and credit report are two of the most important aspects of your finances when you apply for a loan, mortgage, apartment or auto lease, or credit card. These financial indicators are used by almost every bank, lender, and landlord to determine your financial history and predict what you may do in the future. A high credit score and clean report can make all the difference and even save you a ton of money.
Your credit report and resulting FICO score are determined by thousands of different variables, such as payment history and current amount of debt. However, it is very common for errors and out-dated information to be present on your report, which can drastically affect your score. These errors can easily be removed by contacting the responsible reporting agency, but it’s up to you to review your free credit report for these erroneous entries.
While there are several ways to obtain a free credit score and report, the easiest and most popular way is to request one online from a reputable credit reporting company. These companies offer the reports for free and usually give you the option of paying for additional services, such as credit repair or fraud protection. Again, these additional services are totally optional, so only pay for them if you feel that they will benefit you.
Your credit score will lay somewhere in between 300 and 850, with a higher score representing a better credit standing. These credit score ranges can be classified into general categories as so:
- 700 – 850 – Excellent Credit
- 650 – 700 – Good Credit
- 600 – 650 – Average Credit
- 500 – 600 – Low Credit
- 300 – 500 – Poor Credit
Click Here to get your Free Credit Report with FICO Score and other detailed information.
I highly recommend the link above for the most detailed, no hassle, free credit reports!
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