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Credit Ratings
Credit Rating - Find Out Where Your Credit Stands

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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®

  • 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 Learn more about these offers




Free Credit Score

FreeCreditReport.com (brought to you by Experian)
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 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:
· Loan Tips & Advice
· Articles Related to Credit Scoring


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