Freecreditscore.com – Free Credit Score Report

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From Experian comes FreeCreditScore.com. Users can order a Free credit report and begin a free 7-day monitoring trial protecting them against identity theft.

Credit Score Alerts
Find out when your score changes. This could help you qualify for better interest rates and lower monthly payments on new loans.

Credit Score Center
Understand how your score works. Find out how it’s calculated, which factors impact it, and the best time to apply for credit.

Credit Score Estimator
Plan ahead to see how big financial decisions, like applying for loans or maxing out credit cards, may impact your score.

Try it FREE! Membership helps you understand your credit and plan for financial decisions.

IMPORTANT INFORMATION:

When you order your free credit score here, you will begin your 7-day trial membership in freecreditscore.com. If you don’t cancel your membership within the 7-day trial period*, you will be billed $14.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.

The PLUS Score, with scores ranging from 330 to 830, is a user-friendly credit score model developed by Experian to help you see and understand how lenders view your credit worthiness. It is not used by lenders, but it is indicative of your overall credit risk. Higher scores represent a greater likelihood that you´ll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk. There are three different major credit reporting agencies, Experian, TransUnion, and Equifax that maintain a record of your credit history known as your credit file. Your Credit Score is based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your credit score can vary if the information they have on file for you is different. And since the information in your file can change over time, your Credit Score may be different from day-to-day.

Lenders and insurers use several different credit scoring models so don’t be surprised if your lender gives you a score that´s different from the PLUS Score you receive online. Just remember that your associated risk level is generally the same even if the number is not. If the lender´s score is lower than your online score, it is possible that this difference can lead to higher interest rates and sometimes credit denial.

Free Credit Score. Try Now!

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