Nowadays there are many ways to go about accessing your credit score and credit report. Many of the companies out there offer pretty much the same services, they may just present them differently. Your credit score is crucial because both creditors and lenders utilize this information when deciding to do business with you. For this reason, it behooves you to find out what your credit score is 6 to 18 months ahead of applying for any type of loan, housing or job. You will get insight as to if you would be approved, what type of rates you will qualify for and most importantly, if it is necessary to try and increase your score.
Before we delve into where you can get your credit score and report, you should know some of the basics surrounding your credit.
Fast3CreditScores.com is part of the few companies that provide you with your credit score from the three major credit bureaus. This is especially beneficial since you will be able to monitor any discrepancies and spot identity theft that might show up on any of the 3 credit reports. This company has been in business since 1992, and has become one of the more reliable credit score/report services out there. They are accessible in all states outside of Rhode Island and Iowa. They offer a 14 day free trial (after that it is $19.99/month) that includes:
PrivacyGuard is a credit monitoring service that also supplies credit scores and reports from the 3 major bureaus. This is key because data that shows on one credit report may not show up on the others. The only true way to have knowledge of what is happening with your credit is to monitor all three. They offer you a 14 day trial for $1 (cost is $19.99 after that) and you get the above plus:
CreditKarma is very popular among the credit score sites as it is 100% free with zero obligation from you. You are able to login everyday if you like and check both your score and report. The credit score is updated daily and your credit report is updated weekly. Here is what you get...all for free:
MyFICO is pretty much the only company out there that gives you access to a triple-bureau credit report and FICO credit scores. These credit scores are considered the industry standard and are used by the majority of lenders out there. They do not offer a free trial but for $29.95 per month, here are a few key benefits you will receive:
This company has been around for a while and is known for providing good credit monitoring and assistance. They offer a 14 day free trial (after that it is $19.99/month) and with that you will get access to your credit score and report from the 3 bureaus. Also included for free with your trial are the following: