How Is My Credit Score Determined?

Each of the three major credit bureaus, Experion, Transunion, and Equifax, use different methods for calculating your credit score. No one outside of these companies knows the exact process and formulas they use. Even still the score between the three shouldn’t vary too greatly. As a guideline here are the factors that are used to determine your credit score.

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Where Do I Find My Credit Score?

People often want to know what their credit score is but don’t know where they can find it. There are quite a few different sources to go to. There are definitely some sources to stay away from also. So the question is where do I find my credit score?

The Best Place to Go

The first place I would go is to This is a site set up by the government where you can access your credit reports for free once a year. But you asked where can I find my credit score, not my reports. While are checking out your reports you can also order your scores from three main credit bureaus. This is the cheapest way I’ve found and they will run you about seven or eight dollars from each bureau.

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Credit Repair Company Reviews: Finding a Good Service

What do people think of credit repair? If you go on the Internet, what will you find in terms of credit repair company reviews? Feelings and results will vary based on experience and credit repair results. In order to have a successful experience here are some helpful tips.

What Are Others Saying In Credit Repair Reviews?

It is true that some of these companies are sleazy and expensive. A good search of the internet will reveal people’s experiences with them and if they’re a good fit for you.

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Fixing Your Credit: The Handyman’s Guide

Okay, it’s official your credit is broken and you need to know how to fix it. There are some practical ways to go about fixing your credit that will have you back up and running financially in no time. Well not no time, but quickly.

Re-establish your credit

Yes, it’s true if your credit has been damaged not everyone is going to be running to give you a credit card, but in order to reestablish your credit, you will need to develop healthy credit lines that have a good payment history as opposed to your previous experiences. Consider a secured credit card, even though this may seem like an inconvenience this will do wonders in repairing your credit, and it will only be for a short period of time.

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Credit Score Ranges: What is a Good Credit Score?

Let’s say your credit score is a 590, do you know if that’s good? I know I’ve heard people get excited about a score like this only to find out later that they didn’t know how the scale is set up. It doesn’t start at 0 and end at 1000, which would be too easy to understand. So what are the credit score ranges?

Credit score ranges are between 300 and 850, the higher the better. A point difference will rarely mean much, so don’t stress over a few points.

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