It is always advisable to know one’s credit score and especially when planning to go for a credit card or loan. Even though credit laws command that customers must be able to get their credit score report free of cost once in a year at least from all the three credit recording bodies. However, there is no law to get the credit scores similarly.Fortunately, maximum number of corporations allows their customers to buy reports that have their credit score.
There are ways on how can we check credit score.
One of the easiest ways is to go to www.annualcreditreport.com to view the credit score once every year.
Under the “Fair Credit Reporting Act”, every single individual is allowed to one credit report at no extra cost. This contains a person’s credit score, per year.
There’s another way on how can we check credit score report and that is, the Fair Isaac Corporation’s web site which is in short called FICO. All one needs to do is to visit their web site to www.myfico.com and purchase the credit score.
Scores maintained by Fair Isaac Corporation are used by most of the moneylenders who give immediate endorsement. It is hence considered as the gilt norms of credit scores.
The third way is to purchase one’s credit report directly from any of the three credit recording bodies. The chief credit bureaus in the United States of America are Equifax TransUnion and Experian. Each of them has the option on their respective web sites using which one can buy his/her credit scores.
The forth way for one to find his/her credit score is “credit monitoring services”. These bodies allow people to monitor all goings-on on their credit reports over a month. These service stations charge once-a-month fee and give the customers their credit score.