There are numerous online sources to obtain your credit reports
and some of them offer the opportunity to see what your current
credit scoring looks like.
Remember that there are three FICO credit scores, based
on reports from three credit bureaus which are not the same. Reporting
is not mandatory and many banks report to one agency only. In
most cases, your score will be similar on all three reports. Similarly,
when you apply for credit, the lender will obtain only one
credit score from the credit bureau which they use. However,
when applying for big loans like a mortgage, most banks will check
all three scores, so it is not a bad idea to know what they are.
You can get your reports directly from credit reporting agencies
on the internet, by mail or, in some cases, by phone. In some
states if you applied and were denied credit you can get your
report for free.
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Equifax website also allows to order FICO
score along with credit report for $14.95.
To order by phone: 800-437-4619 or 800 685-1111.
report online: $14.95.
TransUnion personal credit
report and score $9.50.
All three FICO
scores along with credit reports can be purchased
at MyFICO.com for $44.85
New federal law in regards to credit reporting:
The Fair and Accurate Credit Transactions Act (FACTA) will give
all U.S. consumers the right to a free
annual credit report by September 1, 2005.
See also: credit
report, what is a credit
improving credit score
Related topics: annual