credit score websites
basically, if you're monitoring your credit report just to be safe, the best method is as mentioned above: www.annualcreditreport.com and to check every 4 months one of the Credit Bureaus (CBs).
As long as you "interpret" your bureau, you won't really need to get the actual score unless you plan on applying for credit. If you're wanting to improve your FICO credit score, look here for hints: http://www.myfico.com/CreditEducatio...YourScore.aspx
NOW, if you're after your real credit score, just remember that there is only ONE place to have it checked...and that's at FICO itself. Navigate to www.myfico.com and order your FICO score.
- Cost is about $20 and if you are checking your own score, there is no affect to your score itself (counts as a 'soft hit')
- Technically if you apply for credit, you would also find out your credit score, but there would be a temporary hit to your credit score (counts as a 'hard hit')
Finally, comparing FICO to the "score" available from the three CBs (Experian, TRansUnion, and Equifax) all have their recipe of a credit score, but it is NOT the same as a FICO score ( which is what is used by nearly all major lenders/banks when evaluating a credit application).
As long as you "interpret" your bureau, you won't really need to get the actual score unless you plan on applying for credit. If you're wanting to improve your FICO credit score, look here for hints: http://www.myfico.com/CreditEducatio...YourScore.aspx
NOW, if you're after your real credit score, just remember that there is only ONE place to have it checked...and that's at FICO itself. Navigate to www.myfico.com and order your FICO score.
- Cost is about $20 and if you are checking your own score, there is no affect to your score itself (counts as a 'soft hit')
- Technically if you apply for credit, you would also find out your credit score, but there would be a temporary hit to your credit score (counts as a 'hard hit')
Finally, comparing FICO to the "score" available from the three CBs (Experian, TRansUnion, and Equifax) all have their recipe of a credit score, but it is NOT the same as a FICO score ( which is what is used by nearly all major lenders/banks when evaluating a credit application).
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basically, if you're monitoring your credit report just to be safe, the best method is as mentioned above: www.annualcreditreport.com and to check every 4 months one of the Credit Bureaus (CBs).
As long as you "interpret" your bureau, you won't really need to get the actual score unless you plan on applying for credit. If you're wanting to improve your FICO credit score, look here for hints: Improve Credit Score: Tips to Fix Poor Credit & Raise Your FICO Score
NOW, if you're after your real credit score, just remember that there is only ONE place to have it checked...and that's at FICO itself. Navigate to www.myfico.com and order your FICO score.
- Cost is about $20 and if you are checking your own score, there is no affect to your score itself (counts as a 'soft hit')
- Technically if you apply for credit, you would also find out your credit score, but there would be a temporary hit to your credit score (counts as a 'hard hit')
Finally, comparing FICO to the "score" available from the three CBs (Experian, TRansUnion, and Equifax) all have their recipe of a credit score, but it is NOT the same as a FICO score ( which is what is used by nearly all major lenders/banks when evaluating a credit application).
As long as you "interpret" your bureau, you won't really need to get the actual score unless you plan on applying for credit. If you're wanting to improve your FICO credit score, look here for hints: Improve Credit Score: Tips to Fix Poor Credit & Raise Your FICO Score
NOW, if you're after your real credit score, just remember that there is only ONE place to have it checked...and that's at FICO itself. Navigate to www.myfico.com and order your FICO score.
- Cost is about $20 and if you are checking your own score, there is no affect to your score itself (counts as a 'soft hit')
- Technically if you apply for credit, you would also find out your credit score, but there would be a temporary hit to your credit score (counts as a 'hard hit')
Finally, comparing FICO to the "score" available from the three CBs (Experian, TRansUnion, and Equifax) all have their recipe of a credit score, but it is NOT the same as a FICO score ( which is what is used by nearly all major lenders/banks when evaluating a credit application).
To expand on this, there are actually multiple fico scores that can be pulled depending on what industry is pulling it.
A FICO score pulled at an auto dealer will be slightly different than a FICO score that is pulled by a Mortgage Lender.
Even though the information contained within your actual credit report will be the same (hopefully), the different industries FICO scoring system will weight certain things differently.
For instance, you might have never had a car repossessed but have had PGE or SMUD send you to collections. Your FICO score at an auto dealer will not weight the PGE and SMUD collections as much as the mortgage lending FICO score does.
This article explains it quite well.
You have 49 FICO credit scores - Aug. 28, 2012
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