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With FreeScore360 you can instantly get your credit scores from all 3 major credit bureaus! Select the ‘Get my free score!’ button below to get started.
What’s my credit score, and why does it matter?
Your credit score is a number that summarizes how well you’ve managed credit in the past, taking into account credit cards, bank and student loans, auto financing, and other products. Your lenders report your payment history to at least one of three major credit bureaus – Experian, Transunion, and Equifax. With these details, each bureau puts together a comprehensive credit report, which is when your credit score is generated. Because your lenders are reporting your payment history monthly, your credit report is frequently updated and your credit score can fluctuate.
When you apply for any type of credit, banks, credit card companies, and other financial institutions will check your credit score to make sure that, historically, you’ve stayed on top of paying off your debts. If you’re thinking of securing a mortgage, a good credit score is important – lenders will take your credit score into consideration to help them decide on how reliable you are with borrowing money and if there is a risk that you will become delinquent on your loans. It plays a key role in securing not only your mortgage, but also a low interest rate on your loan.
Your credit score can range from 300 to 850 – the higher the score, the better. With the FreeScore360 tool on this page, you can instantly get your free credit score from all three major credit bureaus.
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Frequently asked questions
Credit scores are calculated based on various factors including your payment history, outstanding debts, credit utilization ratio, length of credit history, the types of credit you carry, and public records, including judgements or bankruptcies.
Each year, you can – and should – request a free copy of your credit report from the three major credit reporting agencies (Equifax, Transunion and Experian) to gain insight on how you are managing your credit and if your reports have any inaccuracies.
If you need to improve on your credit score, make sure you are making payments on all of your debts on time, keep your credit utilization low, try to avoid new credit inquiries, and double check for any mistakes on your report.
