Why Get Your Free Credit Report
Imagine trying to get to your destination without knowing precisely where you are right now!
To make progress in your financial journey towards good credit is no different! Knowing precisely what is in your report, and then monitoring changes gives you invaluable insight to correct your course should you stray from the success path.
"Imagine the doors of opportunity turned wide open for YOU..."
A number of trusted services give you access to your free credit score without credit card details being required, where once this was a much more difficult proposition. Getting your report in years past was a process fraught with hidden fees, incomplete account data and scam services. Now you have options, and most lending instutions are even required to provide your report free if you were declined financing.
To make things as simple and hassle free we have compiled some of our favorite web services providing credit monitoring, free reports from the credit bureaus, and optimization advice. In most cases getting your score is free and you can compare the add-on services these companies provide with no obligation.
Browse the various tools which can benefit you, take advantage of the free services, and you need only sign up if the offer will directly benefit you in your current situation. If you are here only to get your free credit score equifax or transunion report, that's OK. When it makes sense, consider monitoring & tracking, as you can be watching your financial health in real time!
What Scores Are Considered Good?
Companies have the right to be as picky as they want to be when it comes to financing. Generally speaking though, numbers ranging from 650 and lower put you in the zone of average to poor to having bad credit. If you have a score ranging from 700 plus, you can generally consider yourself to be a good risk in the eyes of most lenders.
If you have a scores ranging from 800+, then what are you doing here? At this point, go out and share your success story to help others!
There are additional factors weighted by lending companies and businesses who use your report to assess risk, such as bankruptcies, foreclosures and the like---but generally speaking your precise score is a powerful respresentation of your financial health, and can be eerily representative of your right now financial health.
Not to worry though, let these trusted providers allow you to check your score free, giving you the clarity you need to start improving your numbers.
Fix Your FICO Now, It Is Worth It
It will take time if done properly but is well worth the effort. Take the time to do it right, the more you know, the better it is to for your effort toward achieving a perfect financial reputation.