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Your credit scores are very important. Yes, I did say credit scores. You actually have 3 different credit scores from the 3 major credit reporting bureaus – Experian, Equifax, and Transunion. They each have a separate formula for computing your credit score.
They each have different information about your credit so they will each come up with a different credit score. They can vary by as much as 50 points or more. That could be the difference from a good credit score and a low interest credit card rate or auto loan and an average credit score and a high interest credit card rate or auto loan.
Just as it is important to get your free annual credit reports from the government’s program, it is also important to check all 3 credit scores.
But on the major credit score sites like Myfico, you have to pay $14.95 just for one FICO credit score.
A better option that can save you some money is to get a free trial to a credit monitoring service and get all 3 credit scores absolutely free.
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You can get a detailed analysis showing exactly what factors are affecting your scores. You can get alerts whenever anything changes to your credit reports. This will keep you aware of any possible identity theft attempts.
And if you decide the credit monitoring service is not for you, you can cancel within 30 days and never be billed anything.
Your credit scores affect so much of your financial life that it is imperative that you monitor them regularly. Your scores from the 3 major credit reporting agencies can determine whether you get a job or not, if you get approved for a home loan, what rates you pay for auto, home, and renters insurance, and all your loan rates.
You are flying in the dark not knowing how good your credit is. Or how bad it is. Or you could be average and need to improve your scores to get a better rate or even qualify. But you won’t know what you need to do without your credit scores. Checking all 3 scores will give you a complete picture of your creditworthiness.
Check out the free offer for all your scores and learn more about the $1,000,000 in Identity Theft insurance in case your identity ever gets stolen. This extra service will ensure your information is safe from thieves and scam artists.
Tags: 3 Free Credit Scores, absolutely free credit scores, Credit score, Equifax, Experian, free credit scores, Identity theft, Transunion