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3 Free Credit Scores
Tip: Checking your own credit score does not hurt your credit.
Tips for Reducing Your Credit Card Debt
Your credit score has became one of the most important numbers you will ever encounter. Your credit score will range between 300 – 900. The higher your credit scores the better rates you will get on loans. Our site provides access to your free credit score from all three national credit bureaus Experian, and TransUnion. We offer the best on-line credit score and credit report monitoring service available.
With proper management of your credit and fico scores you will be on your way to financial freedom.
If you have been recently denied credit or just want to be educated about your credit scores, you have come to the right site. We recommend getting a credit score from all 3 credit bureaus, because that is what banks look at. Banks don’t just look at one credit score to determine an approval. They look at all 3 credit scores.
Maybe your credit score is low. Print out your credit score from our site and get your proper credit management underway. Knowing your credit score is the first step to credit health. We look farward to providing you with your free credit score and credit report monitoring from a company you can trust.
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What is a Good Credit Score?
There are two main credit score models used today. Here are each credit score ranges.
Most lenders use the Fico Score Model when pulling your credit report. The banks trust this algorithm for dictating your credit risk for loans
Vantage Score is a model that was introduced by Experian and TransUnion in 2006. This model only has about 6% of the market share.
Fair Isaac's FICO Score range by Population.
The following credit score ranges are bracketed by credit score range. These credit score ranges are created by Freddie Mac and Fannie Mae, which pass along fees to banks for these particular ranges. The fees ultimately get passed on to the consumer in the form of higher interest rates
740 -850 Credit Score
720-739 Credit Score
680-699 Credit Score
660-679 Credit Score
640-659 Credit Score
620-639 Credit Score
< 620 Credit Score A credit score below this range will get you denied for most types of credit. Most creditors will consider your credit ranges a high risk of default. This credit score range typically involves lots of collections, charge offs, slow pays and maybe a public record. If you find a bank willing to lend you money your interest rate will be as high as the law will allow. The bank will try to make as much money as they can incase you default due to your credit risk.
Credit Report Statistics
The 2 main credit bureaus Experian, and TransUnion currently hold 2002 million credit files. Roughly 172 million of these files contain enough information to generate a credit score. According to U.S. PIRG, 25% of credit reports that they have surveyed contained errors that could result in a credit denial. This survey also showed that 70% of the overall credit reports had errors or some type of mistake on them.
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