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Originally Posted by spruitt7  Does anyone know where I can get my credit report or at least figure out what my credit score is?? TIA!!  |
I just found this on a website.
It is long but has lots of information.
"Some of the things that are most damaging to your credit score aren't obvious unless you're vigilant about reviewing your credit report.
One in four reports contains a serious error, according to the U.S. Public Interest Research Groups. On the more sinister side, there might also be damage from identity theft or an old library fine unknowingly sent to collections.
Get your
free copy at
AnnualCreditReport.com. (Found a problem? Use our resources for help on fixing
errors and fighting
identity theft.)
Although you'll have to pay to obtain your credit score, it's worth the $15.95 at
MyFICO.com to check it on an annual basis -- or more frequently if you're preparing for a major purchase, like a home, says Credit.com's Detweiler.
This year, FICO has adjusted its formula to more widely separate the good lending risks from the bad. As lenders begin using it early this summer, make sure to request your score to assess the changes. "Someone who has always thought, 'I have a good score, I don't have to worry about it,' should check again," says Detweiler.
The new formula no longer includes accounts on which you are an authorized user, which may hurt the scores of spouses, as well as young credit users piggybacking a parent's line of credit.
But other consumers may actually see their scores rise, thanks to more lenient late payment and credit request weightings. In that case, you'll want the score in hand to start calling up your lenders and negotiating for more favorable interest rates, says Detweiler."