Credit Score Scale
Free Credit Score Scale
You are looking at the free credit score scale, ...but do you currently have all three of your credit scores?
Access all 3 credit scores free of charge and get your 3 credit reports free as well.
Maintaining a proper complete credit profile means that you need to your credit scores and credit reports from "each of the major credit bureaus".
You need your scores and reports from Equifax, TransUnion and Experian.
The good news is you can obtain all that information free of charge using one of many services.
Once you have all of your credit scores and simply apply each score to the free credit score scale and see how each of your scores matches up on the chart. You do not have to do anything special, all you have to do is apply each score to the chart and you will know how each score is rated.
Unfortunately many people are focused too much on where there scores sit on the free credit score scale and they do not pay proper attention to their three credit reports. Reviewing all of your credit reports is actually more important than reviewing your credit scores.
This is because the information contained in each of those reports is what is used by each agency to determine your credit score and how you look when you compare them to the free credit score scale.
If you have no understanding of the information in your credit reports you will have no control over your credit scores. It is only by understanding your credit reports and verifying the information in your credit reports that you can be sure you will always have proper credit scores.
You always want to make sure that your information is properly displayed each credit report. It is very common for mistakes to happen in the only person that is going to verify this information is you. If you do find a mistake, it is actually quite easy to have the credit bureau correct the mistake, but you are the person responsible for notifying them of any errors.
Many people think that since the credit agencies as required by law to only display truthful information about your credit history that there cannot be mistakes on your credit reports. This is not true because it is not their duty to monitor this information. They only know what they are told by the people giving them information about you. There are many sources of information that they use, but most comes from people whom you have loans with. Quite frequently, mistakes happen when you will apply for credit and someone will important inaccurate information on your credit application. Frequently the mistakes are only addresses or employment issues that do not affect your credit scores.
Information about your addresses for employment or other personal information has no bearing on the free credit score scale. However sometimes mistakes are made by the actual companies reporting this information so it is very important that you make sure your information is always accurate. I have seen severe mistakes that have caused people to have comparable credit reports and very low credit scores. Once they have located the mistakes, their credit reports and scores were fixed within 30 days. If you have not seen all three of your reports, you have no idea what is reported about you.
I hope you understand that simply looking at one or two of your credit scores and comparing them to the free credit score scale is not going to do you much good if you want to maintain a accurate and good credit profile. Hopefully understand you need to review all three credit scores and all three credit reports from each of the major credit bureaus. This information is free by using many services so you have no excuse not to review this information on a regular basis.
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Credit Score Scale