Free credit report free credit score Meridian

By federal law, all consumers are entitled to receive one free copy of their free credit report free credit score Meridian credit report per bureau per free credit report free credit score Meridian year. To get the truly free report as opposed to the ''free'' reports companies offer if you sign up for some service you have to go through http://www.annualcreditreport.com or call 877-322-8228.

You should get a copy from each of the three bureaus: Equifax, free credit report free credit score Meridian Experian and TransUnion.

Each compiles free credit report free credit score Meridian data slightly differently, and one could include erroneous information not on the others. People have free credit report free credit score Meridian different strategies for getting their free credit report free credit score Meridian free reports you can either do them all at once, or free credit report free credit score Meridian space them out over a free credit report free credit score Meridian year. Also, you and your spouse will have different credit reports, so be sure to request both. www credit report While the credit reports are free once a free credit report free credit score Meridian year, if you want your credit score, which is used by creditors to score your credit worthiness, you'll have to pay for it. Some of the credit bureaus have their own version of the score, but the one you want free credit report free credit score Meridian is called the FICO score, most widely used among creditors. It used to be that one bureau, Equifax, would offer you the FICO score for about $8 after you get your free credit report. But I confirmed with the company that the score you pay for free credit report free credit score Meridian going through the free Web site will be Equifax's free credit report free credit score Meridian own model score, not the FICO score. where to get a free credit report If you want the FICO score, you'll have to pay $15.95 for another credit report and the score. (The other two bureaus for a while have offered their own models, not FICO.) So the easiest thing to do might be to go through FICO's own Web site, http://www.myfico.com, where you will have the option free credit report free credit score Meridian of buying the credit report free credit report free credit score Meridian and FICO score from either TransUnion or Equifax or both.

(Choose the option on the bottom of the page that gives you a one-time report free credit report free credit score Meridian and score.) Each costs $15.95.

Or for $1 less, TransUnion's site at http://www.transunioncs.com offers the report and score for $14.95. Equifax's site at http://www.equifax.com offers it for $15.95. You free credit report free credit score Meridian really need your score only if you are curious about the number or if you are getting ready to apply for new credit. Otherwise, just checking your reports should be fine. The scores are derived from free credit report free credit score Meridian the information in your reports, so that's why it's important the information is accurate. get a free credit report Be aware of a few things: You will have to provide your Social Security number to get your credit reports. While it is my advice not to provide your Social Security number to sites you are not familiar with, the Web site and phone number above free credit report free credit score Meridian are legitimate, and that's the way they identify the free credit report free credit score Meridian credit report to access. If you're having the credit report mailed to you, you should request to have only the last four digits of your Social Security number displayed on the report for security purposes.