A credit card check or simply performing a credit check involves a simple process which may be free or cost you a fee depending on where you live or the circumstances. To get your credit score, you will need to know where to look and what to expect. Here, we will look at the means to check your credit independently.
Why check your credit score
Doing your due diligence If you are looking to check your credit score based on wanting to know your personal rating ‘just because’ or ‘checking for errors’, there are many outlets for you to go to. Credit account checking can be done through online services. These services will query the big three credit bureaus and return scores and a detailed report of your credit score. In response to denied credit If you have applied for any type of credit and were denied, in most cases you can contact any or all three of the major credit carriers and request a report. In most cases, your denial of credit is based on your credit score which is derived from your credit activity. Due to your denial and inability to obtain credit, you are allowed to query the major reporting bureaus and obtain a copy of your credit report to determine if there are errors in reporting that lead to your denial. Employment These days many employers will retrieve your credit report to help determine if they will offer you employment. The primary reason is to determine if you may be a threat based on poor credit or overextended debt. Some feel, such as retailers or businesses dealing with money, that bad credit or over extended credit may lead you to steal from them. Whether this is true or not, it is their opinion. Here as well, you can check your credit score free of charge.
Places to go
Generally speaking, you can only get your credit rating one of two ways. Online. you can get your credit rating through services which will gather your rating and data from the big three for you and report the finding to you. They offer many services as well such as credit protection, credit alarm (anytime something negative appear they will let you know). All these services come with a fee. So, shop around and find the best for you.
You can contact the big three yourself and pay a minimal fee (unless denied) to have your report electronically or traditionally delivered. This is a simple process which they will explain to you.