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Free Credit Score Report - How to Get a Free FICO Score Credit Report Online

Your numerical score is the direct result of your past and present financial activities being passed through a complexed mathematical formula. Get your Free credit report online - Creditcardbankaccount.com

PRLog - Jun. 25, 2011 - Your credit score, commonly referred to as a FICO score, is a numerical representation of your current and past financial tendencies. Essentially this score is used to show potential lenders exactly how likely you are to make your payments on time. The higher your score, the more trustworthy you will appear to anyone who is considering whether or not to give you a loan.

How is My FICO Score Calculated?

Your numerical score is the direct result of your past and present financial activities being passed through a complexed mathematical formula. This process takes all of your previous credit cards, mortgages, utilities, car payments, and many other debts. into account. The more consistently you have made all of these payments on time, the higher your FICO score will be.

Get your Free Credit Report online - http://www.debtconsolidationcc.com/credit-counseling.html

It is very important to frequently look over a copy of your credit report, as errors, fraud, and out of date information are very commonly overlooked and can have a drastically negative effect on your rating. It has never been easier, more affordable, and more important to check your report. The internet provides an excellent opportunity to obtain a free copy of your FICO score.

What is the Average US Credit Score?

FICO scores generally fall into a range between 300 to 850, with 300 being the lowest (bad credit), and 850 being the highest (excellent credit). The average score for borrowers in the USA is approximately 720. Lenders will usually tend to give clients with a score of 700 or above a more favorable interest rate and terms on their loans. While those with a 600 or less will generally receive a higher interest rate and tighter restrictions.

How Do I Check My FICO Score and Credit Report?

Now that you are aware of how your FICO score impacts your finances, you may be wondering "How do I get my free online FICO score?" Easy. There are so many, in fact, that it can be a little bit overwhelming when trying to decide which company to choose. Some things to look for when choosing a credit reporting service are: ease of use, customer service and assistance, detail of reports, accuracy of reports, and whether they offer to assist in repairing your credit score.

Get your Free Credit Report - http://www.creditcardbankaccount.com/free-credit-report.html

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Tags:free credit report, credt report, free credit scores
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