Free Credit Check
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We try to be as accurate as possible, but realize there are hundreds of variables that go into the actual calculation of your credit score / standing. Do not consider this to be the definitive assessment of your credit score / standing. If you want to get your exact credit score, there are a variety of options.
Verifying the accuracy of your credit reports should be an ongoing practice, as it allows you to correct any errors on your major credit reports and ensure that you don’t fall victim to identify theft. The best way to do so is to perform a free credit check online by visiting annualcreditreport.com and requesting the free copy of each of your three main credit files to which you are legally entitled every 12 months.
Ordering your credit score should be an infrequent act, given that it costs money to buy to buy the FICO score, which is what most lenders use. Therefore, you should order your FICO score when contemplating a major financial decision, like purchasing a home or a car or getting a small business loan.
Performing a casual credit check by using a credit estimator like the one on this page should be done when you are contemplating smaller-scale financial decisions, such as applying for a credit card, store card, etc.
- Payment History - 35%
- Amounts Owed - 30%
- Length of Credit History - 15%
- New Credit - 10%
- Types of Credit Used - 10%