What is my Credit Score?

How Can I get my Credit Score

Your credit score is based on the contents of your credit report at a given point in time, you can see your score by getting your credit report online.  The report is just $11.95 and now we include your credit score score with a detailed analysis.

The score is a number on a scale like those used by lenders and credit card companies, but we also help you interpret your score by showing how you rank compared to the population of U.S. consumers as a whole.

Click here to order your credit score!

Where can I learn about my Credit Scores

In addition to your score, we provide a Personalized Score Analysis. It is a detailed report, based specifically on the contents of your personal credit report. It has 5 main sections:

About my credit score. What is it based on? What's the possible range? What other factors are used for decisions?

What my credit score means. What can be expected for credit card approvals, interest rates, deposits, and down payments?

What does my credit score mean to me? Knowing the reasons behind your particular score is more important than knowing your score itself. This knowledge enables you to proactively manage your credit so you can get better loans.

What factors are lowering my credit score? The credit score is based on over 80 factors grouped into 6 classes. The detailed analysis report specifically explains in your case, where applicable, which of these factors gives you a low score, and why.

• Payment history - Information about the way you paid your credit accounts in the past, including late payments and bankruptcies.
• Credit accounts - The number of credit accounts that you have and the different types of those credit accounts (e.g. credit cards, auto loans, etc.).
• Credit usage - The amount of credit you are using, and the amount of credit still available.
• Length of credit history - The number of months your credit accounts have been on your credit report.
• Credit applications - The number of times you have applied for credit in the recent past.
• Bankruptcies - The presence and age of bankruptcy records (if any) on your credit report.

What factors are raising my credit score? Which of the above factors are working in your favor?

Why Should I get my credit score?

When you order your own personal credit report, you can see the same credit history a lender sees, but a score can tell you more. It tells you how the lender is likely to evaluate your history.
When they order your credit report, lenders and credit card companies may request that the credit reporting agency compute and include your score based on the contents of your credit report. Methods for computing scores were developed using statistical analysis of millions of lending decisions, and how well borrowers met their obligations.
Using a scale widely accepted by the lending industry, the majority of Personal Credit Scores are between 400 and 900. Higher scores are better.

If you want to get an idea of your total credit picture, having your credit score as well as your credit report can help you in several ways:

Know where you stand before applying for credit: prevent surprises when applying for credit by knowing where you stand

Understand your total credit picture: this is important because lenders often review both your credit report and a credit score when considering an application

Get personalized tips and analysis: knowing your score is not enough - the key is knowing what you can do to maintain or improve it

Learn what factors may influence your score: understand what issues can positively and negatively affect your credit standing

See how your score compares to other U.S. consumers: learn how your credit score measures up against others in the US

Click here to order your credit score!