Free Credit Score & Credit Report

A good credit score is your passport to competitive interest rates for mortgages, cars, credit card offers, job offers, insurance premiums and more. A strong score is worth money because it saves you in excess costs.

Discover Your Free Credit Score
When you sign up for your free credit score account, you’ll receive your Experian, Transunion, Equifax credit scores-updated every 14 days. These scores are frequently used, so it’s useful information to have, especially if you’re trying to get a home loan or a new credit card. It’s also a great way to monitor your credit health, and track your progress against financial goals.

What is a good credit score?
Most credit scores operate within the range of 300 to 850. Within that range, there are different general categories, from bad to excellent. They typically look like this:

- Excellent Credit: 750+
- Good Credit: 700 to 749
- Fair Credit: 650 to 699
- Poor Credit: 600 to 649
- Bad Credit: below 600

Remember, the term good can be relative. Different lenders and credit companies have different standards and qualifications.

How is my credit score calculated?
There are many types of score factors that can have a positive or negative effect on your score. The factors are listed in order of the degree in which they affect your score negatively, meaning that the factor listed first is what has the most effect your score. Some of the factors that can negatively impact your score are:

- Too many inquiries (how often you apply for credit)
- Too many serious delinquencies (how timely your account payments are)
- Too many recently opened accounts (new lines of credit you have opened recently)
- Average balance of revolving accounts is too high (what you owe vs. what is available)
- Too few mortgage accounts (what types of credit accounts you have)

When Will My Score Change?
The honest answer to that question is this: your score can change at any given point in time. It all depends on when creditors furnish information to the credit bureaus (usually every 30-60 days). It also depends on when you pay down balances, when you apply for a new loan or credit card, open a new account, or when you close an account.

Credit Monitoring
Doing credit checks is important, so that’s why Credit Score will update your Credit Score from Experian, Transunion, Equifax once a month to show you your progress towards your goal.