How Can I Check My Credit Scores for FREE? These are The First Steps You Need To Take To Get Your Credit Score Under Control! You must learn “how to check your credit score without hurting it” — because FYI checking or pulling your credit score can make it go down if you’re not doing it the right way!
If I asked you what your credit score was, could you answer me? Do you even check it regularly? Monitoring your credit score is a critical part of maintaining your financial health. With free credit monitoring services, it’s easier than ever to keep an eye on your personal credit and catch any potential issues early. Credit reporting agencies provide valuable insights into your credit history, and understanding these reports can help you make informed decisions.
If you’re asking yourself, “How do I check my credit score?” or “How can I track my credit score for free?” you’re in the right place. Whether you want to build credit, increase your credit score, or simply learn how to manage your credit score better, we’ve got you covered. Discover effective ways to monitor your credit score, find out where you can get your credit scores, and explore free credit monitoring tools. Fancy Financials is here to guide you every step of the way!
So, if you’re wondering:
- How Do I Check My Credit Score?
- How do I monitor my credit score?
- How can I track my credit score for free?
- Where can I get my credit scores?
Keep reading to take control of your credit and achieve your financial goals!
Why Credit Is Important?
If you did not know already why your credit score is important it can impact: Loan Approvals, Interest Rates, Credit Card Approval and Limits, Renting a Home or Apartment, Insurance Premiums, Employment Opportunities, Utility Deposits, Security Deposits for Services, Financial Opportunities, Financial Health, and more…
FYI, The better your credit history and higher your credit score, the better your chances are of:
- getting approved for a Loan
- getting the Best Terms (lowest Interest Rates = Lower Payments).
- This can also impact the amount of any down payment required by your lender!
How To Monitor Your Credit Score
Before you worry about ways to raise your credit score, you need to know how to find out what your credit score is and monitor it. This means checking your credit score without hurting it in the process. There are a few steps I take to do this…
Credit Reporting Agencies
There are 3 Major Credit Reporting Agencies aka the “CREDIT Bureaus”:
FREE Credit Monitoring
Typically, you are allowed a free copy of your Credit Report annually from the AnnualCreditReport.com Website recommended by the FTC. But, after my last review, I saw a statement reading:
“Free weekly online credit reports are available from Equifax, Experian and TransUnion. Credit reports play an important role in your financial life and we encourage you to regularly check your credit history. — Request your Free Credit Reports “
You can also use LEGIT third-party services that help offer credit advice and prequalified cards like Credit Karma.
Where to monitor your credit score?
- Sign up for “FREE” Experian Account via Desktop AND DOWNLOAD Mobile App
- Sign Up for “FREE” Credit Karma Account via Desktop AND DOWNLOAD Mobile App
Review Credit Report for Mistakes & Errors
Request your credit reports and check them for mistakes such as:
- payments marked late when you paid on time
- negative information that’s too old to be listed
- incorrect address, employment info, etc…
Dispute Credit Report Errors To Get Them Removed! A mistake on one of your credit reports could be pulling down your score.
Here is Everything You Need To Know About Your Credit Score, History, Reports, and More!
Don’t Miss A Thing…
Next, don’t forget to follow @FancyFinancials on Social Media via Facebook, Instagram, Twitter, Pinterest, LinkedIn, and Subscribe on YouTube! Plus, sign up to get the Fancy Financials Newsletter sent straight to your inbox!
Affiliate Disclaimer: Note this description contains affiliate links that allow you to find the items mentioned and support me at no cost to you. While I may earn minimal sums when the viewer uses the links, the viewer is in no way obligated to use these links. Thank you for your support!
Related:
- Things that impact your credit score
- Ways To Raise Your Credit Score
- Best Credit Cards For Business
- Best Personal Credit Cards
Hi, if we haven’t officially met I’m Blogging Brandi and this is my Money Blog! I am an ex-corporate Kool-Aid Drinker, Born to be a Blogger, Creator, and Entrepreneur. I also LOVE my dogs and RV a lot! Plus, I have a background in Accounting, Investments, and a Finance Degree! So, I kinda, maybe, sorta, might know a thing about money! Check out the About Page for all the details! 😉