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SpinDistribute.com Article Directory

The following article was published in our article directory on September 5, 2013.
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Where to Get Your Free Credit Score

Article Category: Finances

Author Name: Harry Vitt

Contrary to what a lot of people think, you can get your hands on a free credit score. In fact, there are a number of methods for obtaining this piece of information. But before discussing your options for knowing your credit score at no cost, you should be aware of its importance. Indeed, why should you go out on a limb to know your credit rating? The answer is simple: your credit score affects your loan application. To elaborate, it is one of the factors that lenders look into to determine whether or not your loan application should be approved. It also influences the terms of your loan, especially with regard to interest rates and repayment schedule.

That said, if you have a negative rating - whether as a result of questionable past financial decisions or erroneous data - and you don't know about it, you won't be able to take the needed steps to improve your score. This can lead to your loan applications getting rejected partly because of your bad credit score, or to you securing loans with less friendly terms (such as higher interest rates and shorter payment schemes).

Now that you know how crucial it is to be aware of your credit rating, it's time to discuss how you can get a hold of your free credit score. Here are some tips you can follow to find out if you have a good or bad credit rating:

Take advantage of online promotions. There are many websites that give online users the chance to know their credit score for free by taking advantage of a trial offer. Provided that you found a site that does not solely exist to steal sensitive data from its visitors, you can receive a free and authentic report on your credit standing by just providing the information that's asked of you. However, if you are only after your credit score, you should remember to cancel your subscription; otherwise you will be charged accordingly.

Ask the lender. As said in the beginning of this article, most, if not all, lenders take into account the credit ratings of applicants in their loan decision. Naturally, then, when you apply for a loan, a lender will attempt to obtain a credit report on you from reliable credit bureaus. On that note, you can try asking your lender what your score is instead of paying for the information or opting for another, presumably more difficult way to get a hold of it.

Consider FICO alternatives. Although most lenders make use of your FICO score (the one computed by the Fair Isaac Corporation), this does not mean that you should only strive to get your hands on it. Credit bureaus might employ scoring algorithms that differ from one another, but they make use of the same information. As such, you can settle for a free credit score from alternative sources; after all, the point of getting a free report is to know if you have a good or bad rating.

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