How to Obtain a Credit Score From a Bank
Your credit score lies somewhere within the range of 300 to 850 and helps lenders evaluate the potential risks associated with lending to you. A high credit score indicates that you are a low-risk borrower who is responsible with your debts. This will allow you to qualify for credit and loans more easily. If you would like to know your credit scores, you may purchase them either from the credit reporting agencies or from myFICO.com. You may also acquire a credit score by requesting that a local bank pull it for you.
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Instructions
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Visit a local bank and indicate that you are considering opening up a new account but do not know if your credit score is high enough to qualify.
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Provide the bank employee with your name, Social Security number, and birth date. You will also need to provide a picture ID to prove your identity.
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Sign the form that grants the bank permission to pull your credit score. Not all banks will require written permission, but most will.
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Wait while your credit score is pulled. This process usually takes no more than five minutes.
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Ask the bank employee to tell you your score.
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Tips & Warnings
You do not have to open a new account with a bank to find out your credit score. You have the option of declining the new account even if your credit score be high enough to qualify.
The credit score the bank will pull is your FICO score. Your FICO score is calculated differently than your educational score, which is the score you would receive if you purchase it from the credit reporting agencies.
A bank will usually only pull one of your credit scores. However, you may have a different score from each credit bureau.
Each time a lender pulls your credit score, a "hard inquiry" will appear on your credit report. This will result in your credit score dropping slightly.
Do not expect to see a copy of your credit report when your credit score is pulled by the bank. Not all banks will pull a detailed report when checking your credit for a new account.
