To see your credit score is quite an easy task, and I'll explain to you just how to do it. But I won't stop at that. I'll also explain how to get your report and how to repair it and raise your score if you have a poor rating.
If you need to check your score to know where you stand financially, you just go through Experian, Transunion, or Equifax websites to do that and you'll only need to pay as low as $ 6 or a maximum of $ 16 – this depends on whether you want to see only one of your scores, two, or all three of them.
Being able to tell what your score is will put you in good position to know how much more points you need to add to it in preparation for a mortgage loan, car loan, college tuition or any kind of credit that you may need in the near future.
Your credit report is also equally important and you should not take it for granted simply because you're given a free copy of all three once every year. Yes, the law allows you to check your Experian, Transunion and Equifax for free once at any time you choose in a calendar year, but you should make good use of this by reading all three files thoroughly to know if there's any bad information that has hindered your score from rising.
If your score is poor or you discover that there are some negative items on your report that will further jeopardize your credit-rating by leaving them there, take the opportunity given by the credit laws which allows you to challenge information furnishers, reporting bureaus, creditors and even collection agencies to ensure that such items are deleted from your file so long as you are in the right. Even people who actually are responsible for some negative items use this opportunity to advantage, so why shouldn't you?
To start, consult a credit-repair agency or use self-help aided by a restoration-kit which usually should cost below $ 40- $ 50.