Home Credit Score Where To Check My Credit Score?

Where To Check My Credit Score?

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Your credit score is a three-digit number whose importance is increasing day by day and is key to credit or credit card use. It shows you how you make your payments, you make or dont make your payment complete and timely, and how you manage your budget. Lenders will also have an idea of ​​lending a credit or credit card based on your credit score and credit reports. Therefore, you should periodically check and improve your credit score, especially if you finance your budget by credit or credit card under these changing and living conditions.

There are many ways to check your credit score. Some of these methods are free and some are paid. The most important indicator for lenders is the FICO score. For this reason, people generally prefer to receive FICO points when they receive credit scores. There are many ways to get a FICO score free of charge, but you usually have to have a card membership. Although not as much as the FICO score, VantageScore is the most preferred after the FICO score. VantageScore is usually higher than the FICO score. Because the data taken into account when calculating is different from each other. VantageScore is easier to access than FICO score for free.

Another important thing to consider when getting your credit score is which credit reporting agency is calculated based on data. There are two things that make this situation important. The first reason is that the three credit reporting agencies (Experian, TransUnion, and Equifax) have different methods of calculating the credit score, and each has different credit score ranges. The second reason is that lenders can provide information about your payments to one, two, or all of the three credit reporting agencies. Therefore, you should also obtain your credit score from all three credit reporting agencies and compare it with your credit reports. Your credit score will be reduced if there is incomplete or incorrect information.

Where to check my credit score based on FICO?

According to FICO, once you have received your credit score, you must evaluate your credit score according to the credit reporting ranges of the credit score of credit reporting agency to which it belongs. Experian’s credit score upper limit is considerably higher than other credit reporting agencies. This may cause you to be wrong.

According to Experian, credit score ranges are;

  • Very poor: 0-560,
  • Poor: 561-720,
  • Fair: 721-880,
  • Good 881-960,
  • Excellent: 961-999.

According to TransUnion, credit score ranges are;

  • Very poor: 0-550,
  • Poor: 551-565,
  • Fair: 566-603,
  • Good 604-627,
  • Excellent: 628-710.

According to Equifax, credit score ranges are;

  • Very poor: 0-278,
  • Poor: 279-366,
  • Fair: 367-419,
  • Good 420-466,
  • Excellent: 467-700.

You can learn your credit score by paying a fee from the services of the three credit reporting institutions. For example; CreditExpert service for Experian, CheckMyFile service for TransUnion and Equfax. In addition, you can receive your FICO points according to three credit reporting institutions by becoming a member of myFICO.com.

The locations where you can get your FICO credit score free of charge are grouped as follows according to the credit reporting agencies;

  • According to Experian, these are the banks or services where you can get your credit score free of charge;

Chase: People who participate in Chase Credit Journey can receive monthly FICO scores that are automatically updated every month.

American Express: Primary card holders who have an appropriate score and submit a monthly statement may receive their FICO scores on a monthly basis.

Discover: You do not need to apply for a membership to receive your credit score. You can get your credit score every 30 days via Credit Scorecard.

Experian: Allows everyone to get credit scores via the FreeCreditScore website. You can take out your credit score monthly here.

Wells Fargo: If you are a primary cardholder, you can take out your credit score free of charge on or around the 5th of every month.

  • According to TransUnion, these are the banks or services where you can get your credit score free of charge;

Bank of America: If you are one of the eligible customers with a consumer credit card (personal card holders), you can get your credit score free of charge every month.

Barclays: You can get your credit score for free if you are one of the Barclays card holders.

  • According to Equifax, these are the banks or services where you can get your credit score free of charge;

Citi: If you have one of the select Citi cards, you can receive your FICO score free of charge every month. The select Citi cards are not certain, but some select Citi cards are as follows;

  • Citi® Double Cash Card,
  • AT&T Access Card from Citi,
  • Citi Dividend,
  • CitiBusiness / AAdvantage Platinum Select World Mastercard,
  • Citi Prestige.

Where to check my credit score based on VantageScore?

Non-bank resources are often used to gain free access to Vantagescore. But it is also possible to access VantageScore through banks or services. This is not possible only to take out your credit score for Equifax.

  • According to Experian, these are the banks or services where you can get your credit score free of charge;

USAA: If you are a member of USAA, you can get your credit score through CreditCheck. You can get your credit score for free each month.

  • According to Experian, these are non-bank resources where you can get your credit score free of charge;

Credit.com: Anyone can get a credit score for free every 14 days.

  • According to TransUnion, these are the banks or services where you can get your credit score free of charge;

American Express: Anyone can get a free credit score using the MyCredit Guide. With this option you can get your credit score every week.

Capital One: Anyone can get credit points free of charge with the CreditWise service. If you have a Capital One credit card, you can also receive your credit score each month without creating a membership.

Chase: Anyone can get credit points free of charge through Credit Journey. You can get your credit score every seven days.

  • According to TransUnion, these are non-bank resources where you can get your credit score free of charge;

Bankrate: You can get your credit score free of charge every week through Quizzle.

Credit Sesame: You can get your credit score, which is updated every month, usually for the first time in a new month, free of charge. Anyone can use this service.

Mint: This is the other service that everyone can get your credit score for free. But it wants you to enter your full social security number.

  • According to Equifax, these are non-bank resources where you can get your credit score free of charge;

Credit Karma: You can view both TransUnion and Equifax your credit score with this service. Equifax stands out as the only source for which everyone can learn credit scores.

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