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So the higher your credit rating is, the better the deals you are likely to get from your creditors, usually high dollars at lower interest levels. You have four options for checking your creditworthiness: Contact your credit or debit card company. Most credit cards and auto loans provide free credit, which you can check by signing into your bank accounts either on-line or on your credit cards bill.
Go to a free credit rating website. You can find many free review web pages like freecreditscore.com; just check the conditions before signing up. Several free web pages provide education score that are aimed at giving you an idea of how you do credit-wise, but not the results actually used by creditors.
Get your credit rating. Your results can be purchased from the three credit rating agencies, which include Experian, which provides your results on the basis of the FICO 8 scoring system, unless otherwise stated. It also gives you easy acces to credit history information over a period of years, information about the credit report drivers that affect your rating, and credit history and warnings if anything changes in your credit history as well.
Go see a non-profit credit advisor. Loan advisors can often access your results free of charge and discuss the detail with you. Please contact the National Foundation for Credit Counseling to find one. Since there are so many credit scoring schemes out there, you probably have several results, and if you draw your results from a website or even a specific item, it will probably be slightly different from one you find through another item.
Susan Henson, an Experian credit rating specialist, recommends that you don't get involved with a particular piece or even the number. As well as the number, most sites or map publishers also provide a background behind the number. "Credit rating bandwidth can help you predict how a creditor will assess your creditworthiness and what kind of credit product you are likely to be eligible for," says Henson.
When you draw several credit points, the precise numbers may be different, but they should all generally drop within the same area. The results of various valuation schemes provided similar information for a large proportion of the consumer population, according to a Consumer Financial Protection Bureau survey. This is because while different credit score companies use different schemes to compute your credit rating, they all depend on your credit report - and there is only one.
When two notches go wild, it's an indicator that you should check your credit records to detect mismatches. Your credit report can be obtained from many different credit reference agencies, as well as Experian. Obtain your free credit report from Experian and you can also get your FICO Credit Report as well. Experian, Equifax and TransUnion can also provide you with a free 12-monthly credit report at AnnualCreditReport.com.
It is important to check your credit ratings before requesting a credit or debit card in case there is something that needs to be clarified; adverse information in your credit rating can cause your credit ratings to fall, and you want your credit ratings to be the best they can be before asking for credit.
When you see false information on one of your credit reports, you file a complaint with that credit bureau. Disclaimer: The views express herein are the sole views of the writer, not those of any banking, credit bureau or other entity, and have not been verified, authorized or otherwise confirmed by any of these units.