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What is a Credit Score?

Your personal credit score is a number ranging between 349-849 which represents your credit risk. The higher numbers are considered less likely to default. Credit scores are calculated using mathematical formulas that take many variables into consideration such as payment history, public records, and debt to income ratio.

What is included in my FREE Credit Report?

Easy to understand FREE Credit Report from all 3 Credit Bureaus
All 3 of your Credit Scores in 1 report
Credit Score Explanation to better understand your score
24/7 online access to your Free Credit Report & Free Credit Score
Credit Monitoring from all 3 Bureaus - Alerts on changes in your credit report

What is considered to be a good score?

A good or above average credit score usually ranges between 650 to 750. Good credit scores will help you get approved for credit.

Why is it important to check my Credit Report?

If you are applying for any type of credit, we think you should know your credit scores and the contents of your credit reports from all three bureaus as the data can vary from one bureau to another.
It's also wise to check your credit report frequently for signs of fraud. If someone obtains your social security number, only a few additional pieces of information are necessary to perpetrate fraud in your name. Common types of identity theft include fraudulent bank accounts, credit cards, utilities, and loans. According to the FTC, victims of identity theft spend an average of 175 hours and $800 to clear their names. Early detection is the key to avoid suffering long-term financial consequences.

Get your credit score and find out your creditworthiness before you:
* Apply for a loan
* Buy a car
* Apply for a credit card
* Apply for a job

If your score is below 650, your future finances may be significantly affected. Get a copy of your Free 3-Bureau Credit Report & Free Credit Score online today and begin working on improving your credit worthiness. Get Your Free Credit Reports Plus All 3 Credit Scores Free Online Now.