Evidently you must be searching for information on getting a free credit check and you’ve most likely landed here seeking some answers. Or you could be slightly confused and think that a free credit check has to do with your credit report or your credit score. And don’t feel bad, because you are exposed to so much advertising that speaks of a getting a free credit check. So once and for all, let’s get things straightened out.

To begin with, as far as the terminology goes, there is no such thing as a free credit check. If you want to check your credit, now that’s a bit of a different animal all together.

If you insist on finding a way to get a free credit check, when you do a search on that term, all of the results that you will be looking at will deal with credit scores.

And since that is what you probably really are after when you start searching for your free credit check, let’s take a look at how important knowing what your credit scores are.

Your credit score means everything in the world of securing credit. You know that. If your credit score is high, you can literally call the shots when you apply for a loan. This is why it’s so important to keep your credit scores up. And yes, you have more than one credit score. Each of the three credit reporting agencies creates a score when someone requests one on you. And these scores can vary from company to company.

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Although you probably know what is considered a good score, here is how it breaks down.

  • 350 – 619 – This is considered in the poor range. If your credit score is here, you need to start fixing things. Scores in this area label you as a very high risk. And in today’s economy, that can shut off many credit opportunities to you.
  • 620 – 649 – This is considered fair. Not bad but still with plenty of room for improvement. Many lenders look at a credit score of 620 as kind of like the dividing line between getting approved and getting denied.
  • 650-749 – This is considered in the Good range and credit gets a little easier to obtain. Once you hit around 680, lenders will start offering you excellent rates, not the best mind you but still very good.
  • 750 – 849 – If you get your credit score to this level, you are now in the top 5% in the country. In most cases, the very best interest rates go to those who have a credit score of 750 and above.

Now that you have a basic idea of what this all means, instead of seeking a free credit check from now on, start thinking about how to get your credit scores instead. And once you know them, if they need improvement, start doing it. You have plenty of resources online where you can find out how and once you do, you may no longer even be thinking about how to get a free credit check!

Click on the button below and get your credit check report with free scores and start monitoring your credit!

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