Did you know that you can check your credit report online? Several websites will look at your credit score whenever you want it if you know where to look. But if you’ve been searching for how to “check my FICO score,” you may already know about it. So we’re going to take a little closer look at both.
Your credit score is a culmination of all the financial information about you, including whether you pay your debts on time, how much debt you have, what kinds of accounts you have, and even where you’ve applied for credit. All of that is compiled to create a single number (or a single number of reach credit reporting bureau) used to describe you.
One specific version of your credit score is your FICO score, and several lenders use it to determine if you’re a good bet. For example, they use this score to decide if you will pay back the money you owe them and what kind of interest rate to give you.
If you’re looking to apply for any loan, credit card, or other forms of debt, they’ll pull your credit score to decide what to do. And before that happens, you may want to know your score. That’s why you’re looking for a way to ‘check my FICO score,’ right? Well, getting a good idea of your score is easier than you might think.
Check My FICO Score Periodically
Plenty of free sites online will let you see your credit score regularly. Some will let you have a free update once a month or once a week. But it’s important to note that these free services are often limited in their availability, and your actual score could be a few points lower or higher.
On the other hand, you can also look directly at the credit reporting agencies to find out more about your score and get a more accurate depiction. Experian, Equifax, and TransUnion are the three credit reporting bureaus. Each can offer you a look at your FICO score and how they report it to a lender who asks them for it.
If you’re looking for more information about your FICO score or want to “check my FICO score,” going directly to the credit reporting bureaus is the best way to go. Take a look at what you can find by going directly to Experian for your FICO score. You’ll find out just what a lender would, and you can prepare for what you need.