Credit Needed - Information About Credit Scores

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Credit Needed - Information About Credit Scores

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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® 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 Score Estimator - Free FICO® Credit Score Estimator
Score Watch® - Monitor Your FICO® Score & Equifax Credit Report
FICO® Standard - Individual FICO® Score & Credit Report
FICO® Credit Complete - Get All 3 FICO Scores and Credit Reports

Learn more about these offers

Free Credit Score

FreeCreditReport.com (brought to you by Experian

)

Free credit report and score delivered online in seconds
Free 30-day trial of Triple Advantage(SM) Credit Monitoring
Daily monitoring of your Experian, Equifax, and TransUnion credit reports
Receive email alerts of key changes to any of your 3 credit reports
See where your credit stands and check for possible inaccuracies

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 Can I get a 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 Reports FAQ area.

See also:
· Credit Card Tips & Advice
· Articles Related to Credit Scoring

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Free Credit Report & Score


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