Advertiser Disclosure

This post may contain affiliate links. We may earn a fee, at no cost to you, if you buy after clicking on the links.

How to Check Your Credit Score Quickly and Easily

How to check your credit score should be fairly easy. You just have to know where to look.

What is a credit score? A credit score is just a number that tells the lender whether you’re able and responsible enough to pay back a debt. Whether you’re buying a house or buying a car using a loan, you need to check your credit score to make sure it’s good enough so you can get the best loan rate possible. You can get a free annual credit report from the 3 credit bureaus, but they don’t contain your credit score. Here’s how to check your credit score.

Related: Get Pre-Approved for a Mortgage Loan

1. Use a Free Credit Score Service

Credit Sesame is one of the reputable free credit score services out there where you can get free credit report and a free credit score. 

Click here to check your credit score with Credit Sesame. It’s completely, 100% FREE.

2. Pay to Get Your Credit Score

Another way to check your credit score is to pay for it through a website called myFico.  With myFico, you get your credit score straight from the sources (the 3 credit bureaus: Equifax, Experian, TransUnion).

Click here to get your credit score for a fee through myFico.

3. Check Your Credit Score Through Your Bank

A third way to check your credit score is through your bank. Many banks offer a free credit service to their customers. Check your bank to see if that service is available to you and take advantage of it.

Remember to always know your credit score before you start applying for a loan. This way if your score is low, you can takes steps to raise your credit score

Tips on How to Improve Your Credit Score

Pay your bills on time. This is by far the best way to improve your credit score by paying your bills on time. According to myFICO, payment history accounts for 35 percent of your credit score. So it’s important avoid making late payments.

Make sure your credit utilization on your credit cards is below 30%. Your credit utilization is the balance on your credit cards when compared to your credit limit. The lower that balance is, the higher your credit score will be. A good rule of thumb is to stay at or below 30%. For example, if you have a credit card with a credit limit of $10,000, don’t use more than $3000 on that card. 

Avoid hard inquiries on your credit. When you check your credit score using a free service like CreditSesame, that will not harm your credit score. However, when you apply for a new credit like a credit card or apply for a rental apartment, that is a hard inquiry. Several hard inquiries may negatively impact your credit score.

If you use these three strategies above, you can be on your way to get the highest credit score.

In sum, your credit score will affect your interest rate. So, it’s important to know what your credit score is before you apply for a mortgage loan.

Click here to speak to mortgage lenders about getting pre-approved for a mortgage loan.

Related articles about credit scores:

Get matched up to 3 Financial Advisor

You can talk to a financial advisor who can review your finances and help you save 100k (whether you need it to pay off debt, to invest, to buy a house, or plan for retirement, saving, etc). Find one who meets your needs with SmartAsset’s free financial advisor matching service. You answer a few questions and they match you with up to three financial advisors in your area. So, if you want help developing a plan to reach your financial goals, get started now.

Article Comments

We invite readers to respond with questions or comments. Comments may be held for moderation and will be published according to our comment policy. Comments are the opinions of their authors; they do not represent the views or opinions of Growth Rapidly. Comments have not been reviewed or approved by any advertiser, nor are they reviewed, approved, or endorsed by our partners. It is not our partner’s responsibility to ensure all posts or questions are answered.

One Reply to “How to Check Your Credit Score Quickly and Easily”

Leave a Reply

Your email address will not be published. Required fields are marked *

You May Also Like