Things You'll Need:
- internet
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Step 1
GET YOUR FREE CREDIT REPORT ONLINE
You can now get your credit report for free online! Once a year, every American can get a free annual credit report. It is important to know your credit score because it can effect what mortgage rates you can get. A good credit score will allow you to be eligible for lower interest rates on home and car loans. -
Step 2
IT'S EASY!
To get your free credit report online, simply visit one of the three major credit reporting agencies. They are Equifax, TransUnion, and Experian. You can also get a 3 in 1 credit report that will allow you to track your FICO score over a period of time and offers tips on how to raise your credit score. If you have a 600 credit score or lower, you will need to work on repairing your credit in order to be approved for a loan. If you have a 700 credit score or higher, you will be in pretty good shape if you apply for a loan. Obtaining a free credit report and credit score is the best alternative for most people. -
Step 3
Credit score information can help you evaluate how you appear financially to banks and loaning institutions. Credit score ranges are a major factor that these institutions use in determining if you qualify for mortgages or car loans. If you find out that you have bad credit and will need bad credit repair, there are many organizations out there that offer consumer credit counseling. They will be able to answer the most simple questions, such as, "what is a credit score", to even the most challenging questions, such as how to repair severely damaged credit.
Comments
tikrit01 said
on 2/5/2009 I need to do this and see where my credit is at. 5*s
LorilynFarms said
on 1/19/2009 Thanks for the articles AND links! 5*