FreeCreditScore.com | FREE 3-in-1 Credit Report & All 3 FREE Credit Scores!

FREE 3-in-1 Credit Report & All 3 FREE Credit Scores

	Unlimited Access to all three of your Credit Scores — one from each bureau — Trans Union, Equifax and Experian

	Unlimited access to your 3-in-1 Credit Report, with your information from all three credit bureaus combined in one, easy-to-read report

	3-in-1 Credit Monitoring with alerts of activity to your files with all three credit bureaus

	Delivered to you online quickly and securely

Credit services provided by TransUnion Interactive, Inc.

Credit Adapter provides you with the tools you need to access and monitor your financial/credit information through the program's credit reporting and monitoring benefits. Credit Adapter and its benefit providers are not credit repair service providers and do not receive fees for such services, nor are they credit clinics, credit repair or credit services organizations or businesses, as defined by federal and state law.

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More Information about Your Credit Score

When lenders decide whether or not to give you a loan or extend credit, they look at your credit score. Your credit score is a number evaluation that lenders use to gauge credit worthiness.

The following are factors are commonly used to determine your credit score:

Credit History
Inquires
New Accounts
Outstanding Credit
Payment History
Pre-existing Accounts

It’s important to note that your credit score may be up to 50 points different from company to company. Typical scores are between 600 and 750, with the overall range usually falling between 350 and 850. You want the highest score you can get to secure the most favorable credit or loan.

If you have a score of 650 or above, you can expect a favorable “prime” interest rate. If your score is between 620 and 650, you are considered more of a credit risk, but still qualify for a good loan. You will most likely have to provide further documentation to secure the loan however. Finally, if your score is below 620, you may qualify for a smaller loan than you anticipated, with a less than desirable "subprime" interest rate. The difference of just a few percentage points in your rate translates into several thousand dollars over the length of the loan. This money goes into lenders pockets instead of your own—negatively affecting your purchasing power.

FreeCreditScore.com | FREE 3-in-1 Credit Report & All 3 FREE Credit Scores!
FreeCreditScore.com's Learning Center provides information and tools about your credit scores. Learn about the 3 major credit bureaus, credit monitoring, credit reports, and credit scores.