How To Find My Credit Score



How To Find My Credit Score

How to Find My Credit Score | Why This is so Important

When you are first starting out on your own, one of the first questions that you may ask concerns.

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Credit is a very important part of life and your credit rating may now play a role when it comes to areas of your life other than your finances. Many employers, when choosing among job applicants, will look at credit ratings and government agencies often use this information when determining if a license should be granted. Your insurance company may review your credit score when determining your premium and social service agencies take this into account if you choose to adopt a child. No matter where you go, you will need your credit rating so you must learn.

When people realize that their credit rating will be very important, they may frantically start trying to figure out how to find my credit score. Where do you get this information? Many credit reporting companies now offer your credit score or rating. The problem with a lot of these companies is that they require you to sign up for their services and pay fees before they will actually provide the information. Others will give you your credit score at no charge, but the score is not accurate so you do not obtain your actual credit rating. When this is the case, you aren't much better off than you started. You need to obtain your credit score from a credible source.

All will provide you with one free credit report each year and the information used on these reports is what your credit score is based on. When your receive this report, you can then determine the accuracy of the information contained on the report and correct any errors if they exist. This needs to be done on a regular basis so you can ensure that the information is up to date and correct at all times.

The government has mandated that all three credit reporting agencies provide one free report a year to any consumer who asks for it. If you want to see a copy of your credit report, you may do so in a number of ways. The easiest way for many is to head to www.annualcreditreport.com. Here you will be able to choose which report you would like to obtain. Once you have done so, you will need to answer some basic questions so they can ensure you are who you say you are. When they are answered correctly, your free report will be generated and you will be asked if you would like to pay a fee to obtain your credit score. This is not a requirement, but something you will need to do on a regular basis to ensure your score is where it should be.

When you want to know how to find my credit score, but don't have access to a computer or the Internet, you may obtain your report and score using other methods. Fill out the Annual Credit Report Request form and send it regular postal mail to Annual Credit Report Request Service, P. O. Box 105281, Atlanta, GA, 30348-5281. You may also call them at 1-877-322-8228. Some choose to request all three reports at the same time while others prefer to spread them out to monitor their credit report and score throughout the year.

Be aware that you do not receive your free credit score when your request these three reports. For this reason, if you want to know how to find out my credit score, you will have to pay a small fee. When this fee is paid, the company will compute your credit score and provide it for you. Once you have your score in hand, you can determine if it needs to be improved and the best way to do this. The higher your score, the more favorable others will look on you. You will pay less for insurance, increase your chances of getting the job or residence you want and obtain better interest rates if you apply for a loan.


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How do you go about finding a credible source when you need to know how to find my credit score?Equifax, TransUnion and Experian are the three major credit reporting agencies in this country.