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Understanding your credit score and how it is calculated helps you take control of your credit and may lead to lower interest rates and more money-saving opportunities. Plus, you get your VantageScore 3.0 credit score! See how your score compares Find out how your credit score stacks up against others in your state and across the U.S., and then chart how your score changes over time. Get started Its your credit score — you should know it We think its important that you have access to your credit score, especially since it's not part of your free credit report. Therefore, it is important for each of you to check your credit report when co-signing/co-authorizing credit to make sure all your information is accurate and free of errors. So we have a system based on lenders reporting to credit bureaus, and then computers storing information and calculating scores. Open in Gmail Open in Yahoo Close I'm so impressed with your services and site. .. This kind of credit rating is usually assigned to someone whose credit report is free of late payments, has accounts that have been open for five years or longer, and isnt carrying a lot of debt. Your credit report is just a file that contains a list of your past and present accounts, along with a record of how you've managed them.

You can easily off by 10 or 20 points in one compared to the other, but that doesn't mean it's a bad thing, just a different credit scale. A lower score indicates to lenders that you may be a higher credit risk. Are your credit reports ready? People with good credit should check their credit reports too. This is why companies will use credit reporting to analyze your desirability as a candidate for their products. There are three different major credit reporting agencies — Experian, TransUnion and Equifax — that maintain a record of your credit history known as your credit report. Check out the WisePiggy.com truly free credit score service. Important information: When you order your $1 Credit Report & FICO Score, you will begin your 7day trial membership in Experian Credit TrackerSM.

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