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  • Free credit score and score report delivered in seconds!
  • Email alerts of significant changes to your credit report
  • Personalized report of factors affecting your credit score
  • See who is looking at your credit
  • Access to ScoreTracker to keep track of your credit score
  • Peace of mind knowing that your credit report is being monitored every day!
Privacy Policy and Terms of Use

OFFER DETAILS: By submitting your secure order you will be eligible to receive your free credit score, and begin your 14 day free trial membership In MyFreeScoreNow credit monitoring. At the end of the 14-day trial period, you understand and agree that your credit/debit card will automatically be charged $29.95 on a monthly basis unless and until you call 1-888-548-2008 to cancel your membership.

Your Credit Score

What is the credit score range and what does it mean?

It is important to note that your credit score may be up to 50 points different from company to company. Typical credit scores are between 600 and 750, with the overall range usually falling between 350 and 850. You want the highest credit score you can get to secure the most favorable credit or loan.

Why is my credit score so important?

If your credit score is considered excellent, you can expect a favorable "prime" interest rate. If your credit score rating is good, you are considered more of a credit risk, but still qualify for a good loan. You will most likely have to provide further documentation to secure the loan however. Finally, if your credit score is considered poor, you may qualify for a smaller loan than you anticipated, with a less than desirable "subprime" interest rate. The difference of just a few percentage points in your rate translates into several thousand dollars over the length of the loan. This money goes into lenders pockets instead of your own — negatively affecting your purchasing power.

What can my credit score affect?

When lenders decide whether or not to give you a loan or extend credit, they check credit score. Your credit credit report score is a numberical evaluation that lenders use to gauge credit worthiness. Your credit scores can affect (but is not limited to) your credit limit, loan amount, interest rate and loan terms. Your credit score is very closely related to your credit report. In fact, your credit score is a quick, scanable evaluation of your credit report that helps lenders determine whether they will work with you or not.

Origins of Your Credit Score

There are three main companies that collect your credit information; Equifax, Experian, and TransUnion. Everything from account payment history to job information gets recorded. But they all do not use the same method for assessing your credit report and assigning a credit score. Because of this, there is a gap in lenders being able to assess your credit worthiness. myFICO is a company that has stepped in to standardize the credit score. These standardized credit scores are called FICO credit scores. The majority of lenders use these credit scores to determine whether or not they will do business with you.

All 3 Credit Scores Are Available

Your 3-bureau credit reports and credit scores combines your information from ALL 3 credit bureaus (Equifax, Experian, and TransUnion) so you will know where you stand no matter which bureau your lender goes to!

Start with your Credit Report

If you are considering applying for a loan, ordering copies of your credit reports and credit scores may well be the best place to start since it is also the first thing a potential creditor will be looking at. Even if you pay your bills on time, you will want to ensure that all the information in your credit file is up-to-date and accurate.

Credit Monitoring

Depending on whether you are applying for an auto loan, a mortgage loan, or a loan for business or personal use, different lenders may apply different standards in rating your credit worthiness. For this reason, reading your credit reports, and seeing your credit scores will help you understand how your credit data might be interpreted, giving you a chance to improve your credit worthiness.

Reasons to check your credit score free

  • Check for inaccuracies or before they could negatively affect your credit score.
  • Find out why you have been denied or granted credit. The information on your credit report is the same information used by lenders concerning your credit.
  • Find out who has been looking at your credit history lately. It could be credit card issuers, mortgage companies or even your employer.
  • Make sure your credit report is complete and accurate before you apply for credit.
  • Help protect yourself from possible credit fraud. Review your credit reports and scores carefully, any strange accounts or addresses may indicate possible fraud.

Get All 3 Credit Scores from each Credit Bureau Online Now! Get credit monitoring, credit reports, and credit scores from all 3 credit bureaus are available.