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How to Check Your Credit

Last Updated June 24, 2020

Your credit score impacts your power to get car loans, secure a mortgage and more. Keep reading to larn about the diverse ways to check your credit.

What Is a Good Credit Score?

Your credit score is based on a number of factors. These factors all make up a percentage of your score, reveals Wells Fargo:

Your payment history accounts for about 35 percent of your credit score
Your amounts owed account for 30 percent
Your length of credit history accounts for 15 percent
The types of credit in use accounts for 10 percent
Your account inquiries account for ten percent.

Your credit score can range betwixt 300 to 850. A score above 700 is considered good, according to Experian, and a score above 800 is considered excellent.

Tin You Get a Credit Written report for Free?

One of the easiest means to bank check your credit is to visit annualcreditreport.com. The site makes it very uncomplicated to not only access your credit report merely to do it for gratuitous. You'll have to provide diverse forms of personal information, including your Social Security number and accost. Thanks to the Fair Credit Reporting Act, anybody tin go at least one free credit report each year. More importantly, you can get one costless report from each of the major credit bureaus.

Check With Your Credit Card Company

Another elementary style to check your credit report is by checking with your credit card visitor. There are many credit carte companies that provide gratuitous access to your credit study as oft as you like. They encourage fiscal responsibility, and they know part of beingness financially responsible is to stay on top of your credit.

Utilize a Credit Monitoring Service

Not only is checking your credit score important because it allows you to stay on elevation of your finances, it helps you lot to keep yourself safe from identity theft. You can sign up for a credit monitoring service, some of which provide you with access to your credit score on a weekly basis. I such service provider is Credit Karma.

Keeping a Expert Credit Score

If you ever detect something on your credit study that doesn't match up with your finances, information technology's important to cheque with the alleged creditor. If you're ever a victim of identity theft, checking your credit study is i of the easiest ways to identify yourself as a victim. Making smart fiscal choices and checking your credit regularly are the best ways to go along a good credit score.