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How do I check my credit score?

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  • How do I check my credit score?


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Answer #1 | 28/12 2013 21:05
The only place consumers can get real FICO scores (the one that creditors use) is MyFico.com. Every where else is a non-FICO score -- different formulas, different scales ... all worthless. In any case, score is really only a pre-screening tool. Credit decisions are based on what shows on your credit report. If the only thing showing on your credit report is a two month old car loan, don't bother checking your score or applying for any other credit. Installment loans build credit by making payments over time. You have to pay on a car loan for at least 12 to 18 months before it does much for your score. It will be 6 months before you even break even from the score drop due to the new line of credit. It takes YEARS to build good credit.
Answer #2 | 28/12 2013 21:27
annualcreditreport.com is the only free legit one, and it is run by the gov't.
Answer #3 | 29/12 2013 16:01
A credit score is based on a 12 month activity and goes up 5 to 10% per month month providing you are paying on time. In 12 months you'll have a fair score 620/659, in 24 a good score 660/749 and in 36+, excellent 750/840

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