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Credit Needed

Credit Needed - Information About Credit Scores



Listed along with each credit card offer is a general "credit needed" guideline. The type of credit needed for a specific offer usually falls into one of the following categories:

Excellent Credit
Good Credit
Above Average Credit
Needs Improvement
Limited History OK
Bad Credit OK

Each credit card issuer evaluates potential cardholders differently, so it is difficult to predict for certain whether or not an individual will be approved for a specific credit card offer. However, it can be extremely helpful to have a general idea of where your credit stands before applying for a new credit card.

Below you will find online companies that offer credit report, credit score and credit monitoring services to consumers.


FICO Credit Score

myFICO
myFICO®

  • myFICO® is the consumer division of Fair Isaac, the company that invented the FICO® credit risk score that lenders use
  • Offers credit-information products that help people understand actions they can take to achieve and protect their overall financial health
  • FICO® Standard - Individual FICO® Score & Credit Report
  • FICO® Credit Complete - Get All 3 FICO Scores and Credit Reports
Learn more Learn more about these offers




Free Credit Score

Credit Check Total
Credit Check Total

  • Get your complete credit picture for free*
  • Receive all 3 credit reports and credit scores from Experian®, TransUnion®, and Equifax®
  • Email alerts of key changes to any of your 3 national credit reports
  • Free trial membership* in CreditCheck® Total, a credit monitoring service
  • *You must cancel your membership within the 7-day trial period to aviod being billed
Learn more Learn more about this offer


Note: Some free credit score services come with a free trial of a credit monitoring service. In most cases, you must cancel your free trial membership within a specified amount of time in order to avoid being automatically enrolled in the service for a set monthly fee (after the trial period ends).



Free Credit Reports

Also, you can now - thanks to the Fair Credit Reporting Act - request a free copy of your credit report once each calendar year. Please note that this free credit report does not include a free credit score. See Fact or fiction: A truly free credit report? for more information.



More Information

For more information about various topics relating to credit reports, credit scores, and credit monitoring, visit our Credit Monitoring FAQs




Identity Theft Articles

Credit Monitoring Articles




How a credit score is calculated
How a credit score is calculated
Your credit score is a three-digit number ranging from 300 to over 800 that is calculated using many different factors. Although the exact methods of computing credit worthiness vary widely, there are a few basics to keep in mind. Read more


Tips for cleaning up an inaccurate credit report
Tips for cleaning up an inaccurate credit report
Inaccuracies can show up on your credit report for many reasons. And these kind of mistakes can really end up costing you when it comes time to buy a home, purchase a car, rent an apartment or even land a new job. Read more


Four things to know about credit scores
Four things to know about credit scores
There are many misconceptions about credit scores, how they can affect you and how you can affect them. Answers to four questions can help clear up some confusion. Read more




See also:
· Credit Card FAQs
· Articles Related to Credit Scoring


« Credit cards main page




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