Credit Rating - Find Out Where Your Credit Stands

Before applying for a new home loan, home equity loan or refinancing your current mortgage, it is recommended to have an idea of where your credit stands. In general, a borrower's credit rating usually falls into one of the following categories:

Excellent Credit

Good Credit

Fair Credit

Poor Credit

Every lender evaluates borrowers uniquely, so it is difficult to predict for certain whether or not an individual will be approved for a specific loan. However, it can be extremely helpful to have a general idea of where your credit stands before applying for a new loan.

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® 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
Look for potential inaccuracies and unauthorized activity
See who's been checking your credit
Free trial membership* in Triple Advantage(SM) Credit Monitoring
*You must cancel your membership within the 7-day trial period to avoid being billed each month

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

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

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Credit Rating - Find Out Where Your Credit Stands

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