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What is a credit score?A credit history summarizes your entire credit history information into one number. This number is calculated by the mathematical equation that evaluates many types of information out of your credit score during this particular credit-reporting agency. By comparing these details on the patterns in a large number of past credit history, scoring identifies your level of credit risk. Your score tells a lender how likely you're to settle a loan, or make credit payments in time. The higher your score is, better chance you have of getting the credit you apply for.
How can I get my credit report? To search for the free credit score that you'll be eligible to under federal law, you must head to www.annualcreditreport.com. There, you can obtain your credit report from the 3 credit reporting agencies - Experian, Equifax and TransUnion - once every calendar year. For daily monitoring of the credit report from all of the three credit reporting agencies, use FastOnlineCreditScores Monitoring. This service makes your individual credit profile online 24-7. You've got peace of mind from knowing that your credit records will be monitored daily. If any irregular account activity is detected, we'll email you promptly.

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