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Credit Scores At A Glance

A number, roughly between 300 and 800, that reflects the credit history detailed by a person's credit report. Lenders calculate this number with the assistance of computer systems as part of the process of assigning rates and terms to the loans they make.

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How To Get Your Credit Score

By: Ara Rubyan

Want to know more about your financial health? Do what all your current or potential creditors do: discover your from your personal credit report. Credit reports are usually produced to verify whether you are eligible for a loan or on any other forms of credit based on your past credit performances. This credit report will detail how well you handled your past credit transactions with different lenders. Your credit report is like a report card -- it reveals whether you have "passed" or "failed" in a particular subject. You can obtain your credit report containing credit-related information from any of the three major credit-reporting agencies.

Equifax

Experian

TransUnion

They all cooperate in a program to give you a free once a year. There several ways to get that information:

A central website
Visit www.annualcreditreport.com
A toll-free telephone number
Call 1-877-322-8228
Via a mailing address
Complete the Annual Credit Report Request Form. You can you can get a copy of the form from: ftc.gov/bcp/conline/edcams/credit. Mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

You may order your free from each of these nationwide consumer reporting companies at the same time, or one at a time. The law allows you to order a copy of your free from each of the nationwide consumer reporting companies every 12 months.

Do not contact the three nationwide consumer reporting companies individually! They will provide your annual free only through one of these three methods.

After you received your free credit report, you should read each section carefully. All aspects must be included in computing your credit score. So make sure you have paid attention to all of them. Check your report for any discrepancies and make sure that you have not missed any payments at all.

Your credit report also comes with the list of individuals or business entities that you have requested credit information from. You may also check to see if such names or entities are familiar with you. Your free credit report would be used in running a credit check to you when applying for a loan or any other forms of credit. Thus, make sure that it is free of discrepancies or erroneous entries.

Keep in mind that this report will reflect your credit performance - ensure that you do not stumble anywhere so that your loan application would always be a success.

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