Michelle
VANCIL
"exceptional service every time"
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Request Your Credit Score
In today's world, looking at all three of your FICO scores and credit reports is not an
option - it's a must! Here are four reasons why:
- Each of your credit reports may be different. Credit bureaus don't share their data
with each other. Each of the three national bureaus may have different data on you --
and you won't know it until you check.
- Each of your FICO credit scores may be different. If your credit reports each
contain different information, you may have three different FICO scores. These
are the important scores that lenders use to judge you and your risk as a borrower.
- Lenders may look at all three of your FICO scores. Lenders, especially mortgage lenders,
may look at all three of your FICO scores to determine whether to give you a loan
or grant credit -- for everything from a car loan to a home loan to a credit card
to a cell phone. Don't be surprised at the last minute when applying for credit.
- You need to protect against ID Theft. Your first sign of a stolen identify may come
from the information in each of your credit reports, including lines of credit that
you did not open and home addresses that are not yours. You need to regularly look
at all three credit reports and FICO scores to rest assured that your credit and your
identity are safe.
You can request all three reports at
myfico.com
The following three credit reporting agencies may provide you with a free copy of your credit report:
Experian - 1-800-397-3742
Equifax - 1-800-685-1111
Trans Union - 1-800-916-8800
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