Free Credit Score - Where to get one

Free Credit Score - Where To Get One

You see ads on TV telling you about getting your free credit report and free credit score but why are they advertising so heavily? What is it about your credit report and credit score that you need to be worried about? There are a few reasons why you would want to check your credit score more than once or twice a year. For one, if you know you are going to be buying a home or car in the near future, you do not want any surprises come up when the lender pulls your credit score and offers you an interest rate that is much higher than what you were expecting because your credit score was lower than you thought it was. You want to make sure your credit score is what it should be and the only way to do that is check it every few months.

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Another reason to get your free credit score is to see if it's going up due to your improving credit. Say you started making your payments on time and are paying more than the minimum and your credit should be improving. The only way to check on your status is to check your credit score. When you check your own score, it does not count against you. So you do not have to worry about your score going down when you do an inquiry. When you pull your own score it is considered a soft inquiry. When a lender pulls your score to check on your loan, that is a hard inquiry and that will lower your score.

One last reason to check your credit score is to make sure you are not a victim of identity theft. Just like diabetes is a silent killer, identity theft can be a silent credit score killer that you do not know about until it is too late and your credit is already ruined. There are several places you can get your free credit score. Many of them have a free trial period that all you have to do is cancel before that period is over and you are not charged anything. So take advantage of that, check your score and just cancel the trial. It pays to check your credit score.

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