Free Credit Scores     

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Free Credit Scores are the benchmark whereby creditors and people judge how well you have taken care of your credit obligations over the years. Credit scores are based on formulas that show how much credit you have, how much you use, if you pay it back on time, you oldest credit, and other financial items.

Finding a free credit report is very easy because you are allowed, under law, to request a free copy of your credit report from the three major credit reporting agencies. The website, AnnualCreditReport.com will allow you to get your three free credit reports online in a hurry. Actually, I just received two of my three and it took less than five minutes. Not bad.

Now, when you find out how to get your free credit reports and then you decide to get free credit scores, you have a situation. I was not able to get any free credit scores when I went online to get my free credit reports. The credit agencies wanted to charge me an additional sum to get my credit scores. So, can you get free credit scores?

The only way I have found to get a free credit score is by signing up for other services at many different credit type of websites. I am not saying you cannot get a free credit score, I am only saying that I was not able to actually find one that I could get without signing up for some other credit product with a cost involved.

The main credit score is known as your FICO score and this number is an accumulation of all the credit factors that go into analyzing your credit history and spitting out your number. The average numbers for FICO range from the 500 to 800s. Most good credit consumers will have a FICO score in the 700s or even 800s. Many of the lesser credit numbers below 700 will allow that your credit is not top notch and you may want to work on raising your score.

The economy and society we live in runs on credit. It is very hard not to buy a house and car and other things today without borrowing money. Finding out your credit score can allow you to understand the type of interest rates that you may be allowed with your type of credit.

The higher your credit score, usually you will receive the lower and best interest rates that the lender has to offer. Why? Well, you have demonstrated to that lender that you take your credit very seriously and the chances of them getting paid back in time, and on time, is good.

If you have a low or lower credit score, this means that you will usually pay a higher interest rate when you want to borrow money for houses or car purchases. The reason being is that you have had a few issues with your credit and the lender feels that they may have a problem in the future getting all their money back without having any problems. Now, if you get your credit scores up, you should be able to borrow for less.

 

 

 

 

 

 

 

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