How To Get Credit Score

If the thought of facing your debt makes you unconcerned with how to get a credit score, today is a good day to change your mind. That scary FICO credit score number, that ranges between 300 and 850, needs to be as close to 700 or above as possible to avoid being considered a credit risk. The only way to find out where you stand, and how to fix it, is to pull up that credit score. You never know, it might be better than you think. 

To get a credit score you will need:

• Computer 
• Internet
• Social Security Number
• Money

1. Get your free credit report. Your credit score is calculated by the financial activity on your credit report. So it is absolutely crucial that you give your report a look before you spend any money on purchasing a credit score. There could still be credit card bills sitting on your credit report that have been paid in full, but are still showing up as unpaid, that you need to dispute. No need to worry, all three of the major credit-reporting agencies, Experian, Equifax, and TransUnion are required by law to provide citizens with an annual credit report at no cost. Unfortunately,these reports will not be mailed to you automatically so you will need to call or apply online.
2. Buy your credit score from FICO. Would you trust an unpaid intern without a college degree to operate on you, or a licensed doctor hired by a reputable hospital? The same could be said when it comes to paying for a credit score you can trust. FICO is the credit corporation that has created the most widely used credit scoring system that the majority of banks and lenders rely on. The formula that they use to calculate your score is the sum of 35% for payment history, 30% for amounts owed, 15% length of credit history, 10% new credit, and 10% for types of credit you use. At the moment FICO charges $15.95 for your credit score, the various elements that are affecting it, and access to your credit report. You can order your credit score online. Stop living in unnecessary fear, and get your credit score right now.