Many people don’t take a second thought to what this score means, and they don’t really care either. However, this 3 digit number has the ability to change your life around and lay the foundation for you to get out of debt by analyzing the bad things on your credit score, and thus improving it and raising the score to an acceptable level so that you can get credit. Being without credit is like walking through the desert without water. How many times has a financial emergency happened, you didn’t have the cash upfront, and when you tried to apply for a credit card or a line of credit, you were immediately turned down because you have a bad credit score and history? By learning exactly what your credit score is, you can have a better financial picture of where you stand financially. There are two ways you can check your credit, both of them are free, but one gives you more information than the other method. It’s important that you choose the right method, otherwise, you won’t have much to go on and you’ll continue not knowing what your true credit score is, and therefore, never be able to truly fix your credit. So, the next time you want to find out what your score is, remember to keep the following tips in mind. We suggest that you check it now.
Check Your Credit Score For Free – Method #1
There are two ways to check your credit. The first one is requesting your credit report from the three major credit reporting agencies, Equifax, Experian, and Transunion…and is completely free to you. You are able to check your credit report once every 12 months by choosing this option. it sounds like this would be the best option to go with, right? I mean, it doesn’t get any better than that, right?
Hang on. There’s something you need to know about this option…
While it may sound like a end all solution, let’s see what you actually get.
Yes, you can obtain your credit report for free and see how many delinquent accounts you have, chargeoffs, judements, latepays, etc. It’s great to be able to see that stuff because you need it, but here’s what you need to know about checking your credit report this way:
- They don’t give you your credit score for free (you have to pay to know your score)
- Inputting your information onto the site is confusing (I’d rather pull my own teeth)
- They make it difficult to obtain the report
- You have to wait weeks in order for them to mail you the report (and you still don’t have your credit score)
These are just some of the negative things we have found to be true by using this free credit report option. However, if you would like to pursue this option anyway, please feel free to do so by clicking here.
So how do you officially get your credit score?
Check Your Credit Score For Free – Option #2
If you want to immediately know what your credit score is with Experian, Transunion, and Equifax, and much more, then this option is exactly what you need to do. Within 5 minutes, you can check your credit score for free and know exactly what the score is. You don’t have to wait weeks to know the answer, and you most certainly don’t have to pay anything…unless you want to that is. What does that mean, you may be asking? Well, by using this free source, you’ll initially have to sign up for a free 7 day trial to view your score. HOWEVER…if you cancel within the 7 day free trial period, you will not be charged anything. We signed up and viewed our scores and credit report absolutely free, canceled before the 7 day trial, and was never charged anything else.
Here are the major advantages to using this service to check your credit score free:
- Know your credit score immediately
- No more waiting weeks to know your score
- Instant access to your credit report
- Beautiful graphs and charts that give you the information you need to make informed decisions to improve your credit
- Shows you where your credit needs improvement
- Monitors your credit for fraud, credit alerts, credit management, etc (if you choose to keep your membership…$14.95 a month)
If you want to check your credit score free, then choose this option and cancel before the 7 days. Or, if you really love the service and like knowing that your credit is being monitored to ensure safety, then continue being a member for a very low monthly price. If you’re a single mother and need further assistance, leave us a comment and we’ll be happy to help with anything.