Your personal credit score or FICO score is used to evaluate your applications for credit, insurance, employment, or renting a home. Credit reports can contain errors. Carefully review your credit report at least once a year and always have a copy in hand before you apply for a loan for a major purchase like a house or car.
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FICO scores are the credit scores most lenders use to determine your credit risk. You have three FICO scores, one for each of the three credit bureaus – Experian, TransUnion, and Equifax. Each score is based on information the credit bureau keeps on file about you. As this information changes, your credit scores tend to change as well.
Your 3 FICO scores affect both how much and what loan terms (interest rate, etc.) lenders will offer you at any given time.
Taking steps to improve your FICO scores can help you qualify for better rates from lenders.
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The Importance of Credit Reports and Monitoring
When evaluating credit card applications, credit card issuers rely heavily on the information available in credit reports to decide whether the applicant is eligible for their credit card offers.
There are three major credit bureaus, Experian, Equifax and TransUnion, which compile credit reports based on the financial records available about a person. This information is summarized into a credit score, which gives a snap short of a person’s previous credit history and predicts his future credit worthiness.
Credit scores range from 300 to 850. The higher your number, the better credit risk you are considered to be. To be eligible for the best credit card deals, it is typically necessary to have a credit score of 600 and preferably higher.
Is your credit score accurate? In most cases yes. Errors do occur sometimes. To protect your credit worthiness, credit monitoring is essential for everybody. Knowing what is reported to the credit bureaus by others and correcting any mistakes can improve your credit rating. It also helps detect any identity theft attempts.
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