A free instant credit report contains a free credit check.
Understanding your personal credit report and fico credit score.
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Receive a free credit score and learn your credit history.
A free instant credit report contains a free credit check. Understanding your personal credit report and fico credit score. |
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Get a free credit score with a free instant credit report |
Checking your FICO credit scoreYour FICO credit score isn't the only score you need to checkThis came from lenders who thought the FICO credit score is offered by only one of the three credit bureaus: Equifax. In reality, all three of the bureaus offer FICO credit scores using the formula developed by Fair, Isaac, but they each give the scores a different name. At Equifax, the FICO is known as the Beacon credit score. At TransUnion, it's called Empirica. At Experian, it goes by the unwieldy title of "Experian/Fair, Isaac Risk Model." Complicating matters further is that you'll probably have three different scores from the three different bureaus, largely because the bureaus don't all share the same data. One bureau may list more accounts for you than another, for example, and the differences (in types of accounts, payment histories, credit limits and balances) will be reflected in the score that bureau computes for you. Because of those differences, it does make sense to pull and examine your credit reports from all three bureaus before you apply for a big loan like a mortgage. Many mortgage lenders take the middle score from the three bureaus when making their decisions, so fixing errors in all three reports before you shop for a loan is smart. When it comes to comparing your scores, however, you may be stuck. Equifax is so far the only bureau that makes it easy for consumers to get the same FICO credit score that lenders see. (You can order your Equifax FICO credit score on MSN Money here.) The scores typically provided to consumers by Experian and TransUnion aren't FICO credit scores, and they're different from the scores these bureaus provide to lenders. But the ways you improve your credit score are the same in any case: Correct errors. Pay your bills on time. Pay down your debt. And apply for credit sparingly. |
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