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