If you are looking for a way to check your credit score, there are some easy ways you can do it risk free and without cost. You can find free credit scores providers by using your favorite search engine, but why go to all the trouble of finding a trust worthy free website when you can check your score at any site by law? Once a year, you are legally entitled to a free credit score check.
The easiest and safest way to get your annual free credit score is to do it online through Equifax, Experian or TransUnion. You can also send a request by phone or regular mail, which can take up to 15 days to process, or through email. Email allows you to view your free credit score much sooner than the other two methods, but may require more authorization.
To request an online free credit score, you will have to provide your private information. You will need your social security number, full name and address even when applying through email. If you choose to apply to one of the many free credit score websites, double check to make sure that they are a trusted source. Always be cautious with your private information online.
How is a credit score determined? Credit scores are based on payment history, length of credit history, amounts owned and types of credit. Even if you think you have bad credit, getting a free credit score can help you know for sure what you need to do to get your credit back into good standing.
Some credit card companies and large banks now offer a type of debit/credit card that shows up as good credit on your credit record, but acts as a charge card. These pre-paid cards can help to quickly improve your credit score without the chance of falling deeper into debt.
Wednesday, June 16, 2010
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