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Credit Score

A credit score is a 3 digit number that most lenders use to help predict what kind of credit risk you will be for them.

How Can I get my Credit Score

Because your credit score is computed based on the contents of your credit report at a given point in time, you can see your score by ordering your credit report online, and requesting that the score be included.  The report is just $7.95.  It is only $5.49 to include the score and a detailed analysis. Just look for the "Add your personal credit score" checkbox.  Or, (NEW!) get your instant 3-bureau credit report (Equifax, Experian, Trans Union) with credit score included for just $34.95.

In addition to your credit report, we compute and show your score, right in your browser. The score is a number between 400 and 900, on a scale like that used by lenders and credit card companies. We help you interpret your level by showing it 3 extra ways: On a grading scale of 0 to 100, as category from very poor to excellent, and as a percentile - your ranking compared to all other U.S. consumers.

Single Bureau Credit Report $7.95 + $5.49 for the score

Instant three-bureau credit report $34.95 with score included!

Where can I learn about my Credit Scores

In addition to your score, we provide a Personalized Score Analysis. It is a detailed report, based specifically on the contents of your personal credit report. It has 5 main sections:

Personalized Score Analysis

About my credit score.  What is it based on? What's the possible range? What other factors are used for decisions?
What my credit score means.  What can be expected for credit card approvals, interest rates, deposits, and down payments?
What does my credit score mean to me? Knowing the reasons behind your particular score is more important than knowing your score itself. This knowledge enables you to proactively manage your credit so you can get better loans.
What factors are lowering my credit score? The credit score is based on over 80 factors grouped into 6 classes. The detailed analysis report specifically explains in your case, where applicable, which of these factors gives you a low score, and why.
  • Payment history - Information about the way you paid your credit accounts in the past, including late payments and bankruptcies.
  • Credit accounts - The number of credit accounts that you have and the different types of those credit accounts (e.g. credit cards, auto loans, etc.).
  • Credit usage - The amount of credit you are using, and the amount of credit still available.
  • Length of credit history - The number of months your credit accounts have been on your credit report.
  • Credit applications - The number of times you have applied for credit in the recent past.
  • Bankruptcies - The presence and age of bankruptcy records (if any) on your credit report.
What factors are raising my credit score? Which of the above factors are working in your favor?

Why Should I get my credit score?

When you order your own personal credit report, you can see the same credit history a lender sees, but a score can tell you more. It tells you how the lender is likely to evaluate your history.

When they order your credit report, lenders and credit card companies may request that the credit reporting agency compute and include your score based on the contents of your credit report.  Methods for computing scores were developed using statistical analysis of millions of lending decisions, and how well borrowers met their obligations.

Using a scale widely accepted by the lending industry, the majority of Personal Credit Scores are between 400 and 900. Higher scores are better.
  • 15% of the US population is below 600
  • 35% of the US population is below 670
  • 50% of the US population is below 710
  • 70% of the US population is below 755
  • 90% of the US population is below 790


If you want to get an idea of your total credit picture, having your credit score as well as your credit report can help you in several ways:

  • Know where you stand before applying for credit: prevent surprises when applying for credit by knowing where you stand

  • Understand your total credit picture: this is important because lenders often review both your credit report and a credit score when considering an application

  • Get personalized tips and analysis: knowing your score is not enough - the key is knowing what you can do to maintain or improve it

  • Learn what factors may influence your score: understand what issues can positively and negatively affect your credit standing

  • See how your score compares to other U.S. consumers: learn how your credit score measures up against others in the US

Single Bureau Credit Report $8.00 + $3.95 for the score

Instant three-bureau credit report $34.95 with score included!

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