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What you need to know about your credit score

Your credit score or Fico score is a number based on a statistical analysis of your credit files, that represents your credit worthiness. That credit score is actually based on credit report information which is sourced from the three credit bureaus.

A good credit score is key to your financial well being and it is important to understand how it works and what you can do to maintain a good credit rating.
What you need to know about your credit score and credit report.

Firstly, you actually have three credit scores not one from three different credit bureaus, Equifax, Experian and Transunion. You need to check all 3 as your credit score will differ with all three.

The most common type of credit score is the FICO score which is used by the majority of lenders.

Many people assume incorrectly that if they have no house or car then credit scores do not affect them. However, many employers and insurance companies for example will look at your credit report. So it does matter.

How much does a credit score report cost? We offer a totally free credit score online here and you can get a free copy of your credit report at annualcreditreport .com


There is a lot of misinformation about on credit scores:

1. Closing credit card accounts will help improve your credit score. This is not true as it reduces the amount of credit available to you.

2. You have to keep a balance on your credit card to build your credit score. This is not true either.

3. Checking your credit will hurt your score. Not true, just as long as you are getting it from a source other than a lender.

4. Shopping for loans online will hurt your credit. The fact is all inquiries in a 30 day period for loans are treated as one inquiry.

5. You need a credit repair company to improve your credit score. You do not need anybody to fix your credit. By just using common sense like paying your bills on time and never borrowing or spending more than you can afford you can improve your credit rating.

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