how to find credit score

Secure Your Very Own
Find the FREE Credit Score
Immediately And The Safeguards.

of around the clock Credit supervising & notifications as a member of checkourscores

Safeguarded Your Personalized COMPLIMENTARY Credit Score Directly And The Reliability Of Night And Day Credit Managing & Announcements As a User Of CheckourScores

    How it works

  • Get your 100% Free Credit Score

    For the first time, you can get a truly free credit score with no hidden costs or obligations. That's right, no credit card is required and there are no strings attached.

  • Personalized Debt Management Recommendations

    We help you manage your debt by finding you the best savings options for you.

  • Track & Optimize your Score

    Now you can quickly and easily track your credit score, credit attributes, and debt over time from a single source.

  • Actively Manage your Credit Score and Health

    Use our credit report card to compare and learn more about your credit report and how financial institutions view you.

Reputable Credit Score Site Credit scores play an incredibly important role in our lives yet few of us truly understand where they come from and how they’re calculated.

Credit scores are provided by three primary credit repositories: Experian, Equifax and Trans Union. These are basically huge databases that house credit information on almost everybody in the country. And how do they get all this information about us? Well, creditors (like credit card, automobile and mortgage companies) are always looking for information about potential clients; people like you and me. They get that information from these repositories but in exchange, they agree to provide data about all their customers back into the same databases. Almost all of your credit providers report your payment history into these databases and every time you obtain a new credit account, that account is reported under your Social Security Number.


Credit reporting in its current form is still relatively new and a lot of people, particularly in the older generations, are still unaware of all this information being held about them and their credit histories. My own parents, for example, were shocked when I told them such databases exist and the extent of information available. And it’s amazing the number of things in our lives that are affected by our credit scores, so an understanding of the things they look for when calculating our scores can be incredibly beneficial for those who want to optimize their scores.

credit score online
credit score online

Let’s start with a definition. What is a credit score actually trying to reflect? Well, the exact thing a credit score intends to predict is the probability you’ll have a 90-day late on a trade account within the next 24 months. That’s what they’re actually trying to predict. And as you can imagine, there are a number of things that increase the probability you’ll have such a late payment and those are the variables that make up your credit score. Now, the formulas and algorithms being used these days are incredibly complicated and they change periodically as well, so it’s impossible to lay out the exact components and their respective weights. But the basic structure is well documented and that’s what we’ll focus on here.


First, you should know that the median credit score in this country is right around 720. That means half the population has a higher credit score and other half has a lower score. It’s actually just a bit higher than 720 – about 722 is the latest I’ve heard. Pretty high, huh? It’s true. So the average person in this country has pretty darn good credit. In fact, only about 1% of the population has a score below 500. That means at least half the population should be in A-paper mortgage programs. It’s true that income and assets also play a major role in mortgage underwriting but at least from a credit perspective, most people should be in A-paper mortgage programs. Sadly, that’s not the case.


Why not contact us now and get your Credit Score.
Purchase Now!

What We Do

CheckourScores provides a new way to track your credit score and a distinctive way to benefit from it. For the first time you can get a completely free credit score with no hidden costs or requirements. The premise of consumer Credit Scoring is that people with good credit pay their bills on time

Check OUR Scores

Rating

4.91 stars - based on 50 reviews

3 Winland Ct,, Gillette, WY 82718,, USA
Call now at: (307) 686-6046
Hours: Mon-Su 8am - 7pm