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There are several sites where you can actually get your credit report free without the fine print. One that we like is www.CreditKarma.com. It will not only provide your credit score free but if you type in your credit card and loan numbers it will show you their balances and the total amount of your debt and the history of your credit score. However, do keep in mind that this will be your Experian score and not your FICO score.
All three at once
There is also a site where you can get all three of your credit reports simultaneously. It’s www.annualcreditreport.com. You will not be able to get your credit score there but you will be able to get all three of your credit reports free – at least once a year. If you need to see your credit reports more often than annually, you’ll have to pay for them. Many people choose to get their reports at the rate of once every four months, which is a sort of way to continually monitor your credit.
Here’s a video with good information about getting your credit report and credit score free.
What’s a good credit score?
When you do get your credit score, you may wonder whether you have a good one. If you’re not familiar with credit scores they range from 300 to 850 with the higher the better. They are generally grouped into ranges as follows.
• Between 700 and 850 – Very good or excellent credit score
• Between 680 and 699 – Good credit score
• Between 620 and 679 – Average or OK score
• Between 580 and 619 – Low credit score
• Between 500 and 579 – Poor credit score
• Between 300 and 499 – Bad credit score