Are you looking for your free credit report with score? Annually you are entitled to receive all your credit report from the three primary credit reporting agencies: TransUnion, Experian, and Equifax. AnnualCreditReport.com is one website which will allow you to access all three reports once a year. If you apply for credit and are turned down, you can request that the agency used send you a credit report. This request must be made within the first 60 days of your having received the rejection letter.
You can get a free credit score from TransUnion at CreditKarma.com/score. Enter in your data and answer any additional questions and the score will be forthcoming. They will inform you of inquiries to your credit. Your current balances with debt and any delinquencies you may have incurred. To get your scores from the other two agencies you will need to pay each time you want a report with a score from each agency. It’s a nominal fee between $15-$18 per score. Right now the other agencies do not provive a free credit report with score.
If you are preparing to buy a home, it may be worth it to pay for these scores. If you are just curious, it probably pays to wait and get the scores at FreeTripleScore.com for free for the first 7 days. After that you will be billed 29.95 per month. As of September 9, 2011, your can obtain a free triple credit score.
Go to FreeTripleScore.com after the 9th of September and receive indefinite access to your triple credit scores. It’s easy to find my credit score. Again, you can pay a small fee as a part of your AnnualCreditReport .com or you can obtain it at FreeTripleScore.com after September 9th, 2011 for free. When you do locate your score, remember that most people have a 720 score and many people fall below that. A 620 score is not the best, but you can still qualify for a mortgage. Below 600 is when you begin to be denied credit, because you are too high a risk. The highest score 850 is rarely achieved by anyone. About 1% of the population actually have a score that high. So no one should feel bad because they don’t fall in that 1%.
Free credit scores are not impossible to obtain, but they are uncommon. When you find a source for your free credit score, be sure to make a note of it so that you can revisit the same website in the future to see if your score has changed. It’s important to keep abreast of all changes in your credit report as well as your credit score. It can make the difference in getting a low interest credit card or car loan or even a mortgage.