Do i have a good credit score & how do get a credit report?
I want to know if i have a good credit hisroty before I run a credit report base on the the information below. I have Citi credit card - $7000 credit Discover $3000 Dell fina. credit $3000 I always pay my bill on time and in FULL. I have my credit about 2 years. No load/ home/ car/ meg What do you think about my credit score? And do you know where can i run a credit report for free? Thanks a lot!
Public Comments
- creditreport.com
- You can get a free credit report at annualcreditreport.com from all three credit bureau, if you want the scores you will probably have to pay a small extra fee!
- yes I think your credit history is very good, and I would advise you going to myfico.com and sign up for the score watch product, it has a thirty day free trial then u can cancel. Or you can go to transUnion.com and do the same thing like at myfico, but I dont really like transUnion scores because I think their scores are just estimates.
- All of your lines are revolving lines of credit which are only a part of the "good credit mix" you'll need to have a very good credit score. Based on what you've told us, your credit scores may be somewhere between 650 and 765. Are you self employed or are you a w-2 or 1099 employee? How long and in what industry? Are you renting? what is your age? In the last 12 months, how many times have applied for credit? Knowing the answers to these questions will give me a better picture of who you are and a more clear picture of what your credit worthiness may be. info@highbennett.com
- I'm guessing, but since you pay in full every time, it should be over 700. So your credit score should be fine. One factor (off the top of my head) that will make your score higher will be the amount of time you have had those open accounts. It helps your score when you have had credit cards for 3 years or longer. So wait another year, and your score should increase.
- If you go to the link below, you can get a TOTALLY FREE, NO-STRINGS-ATTACHED credit report. You can also ORDER (buy) your credit score from there when you request your free report. I wouldn't recommend that you go to the individual sites and sign up for anything. If you want to monitor your reports throughout the year, just do this: go to the site below and order your report from ONE agency. Then, in four months, go back and order a report from a different agency. Four months after that, order your final report. Then you can start all over again a year from now. When YOU request a copy of your report, it does NOT affect your score, only when OTHERS request your report (when you are applying for credit).
- First off, go to: www.annualcreditreport.com It's the *ONLY* free site where you can access your credit report. Since last year, you have the right to check your credit report once a year for free, although your score is not involved. There are 3 companies that have your records. You can access all 3 now, or do one every 4 months, so you can keep an eye on it throughout the year. You can also purchase your credit score from one of the companies. It should be about $5. I wouldn't know exactly what your score may be, but I do know that it will be lower than expected- only because your file is very young. So if you ever want to cancel one of your credit card accounts, just pay it off, cut the card, and don't use it again. That way, you'll have a longer history with the company.
- Okay..on Transunion:724, Equifax: your 755, Esp 715..give or take a point or two...just kidding, you go to free annual report for your reports..then you have to pay a little extra to get scores. You can also go to MyFico and get TRUE scores and reports..it will ask you if you have a discount code...type in CPPSAVINGS...that will save you $3 dollars per credit pull...it's works out to $11.95 for report and files
