How to check your credit rating - ForumDaily
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How to check your credit rating

Фото: Depositphotos

Фото: Depositphotos

A higher credit rating can provide a good interest rate when you take a mortgage or get a loan for a car. To do this, you should constantly monitor your credit history.

How to check your credit history

Many financial institutions offer free credit check of their customers. In addition, you can do it on the Internet.

Another way to check your credit score is to talk to an advisor to help you or use a credit score checking service like FICO.

Your credit score depends on many factors, such as: payment history, credit history and the number of new loans or credit cards. An ideal credit score is 800+, very good is 740 to 799, good is 670 to 739, fair is 580 to 669, and poor is 579 or lower, according to the FICO scoring system.

It should also be understood that FICO is not the only counting system, but approximately 90% of credit institutions use this rating or its variations, so it is important to stick to it in your credit history.

In addition, the FICO rating itself has different versions. The last one - FICO Score 9 - contains several innovations at once in comparison with the previous ones, for example, in relation to medical service arrears.

Get your annual credit report

The credit report reflects the borrowing history with three credit bureaus: Equifax, Experian and TransUnion. You are entitled to receive a free 1 credit report once a year. Your free annual credit report will contain all of your financial information. Be sure to keep in mind that the credit report and score differ; Your score is calculated based on the information contained in the report.

Make sure that your credit report has no errors that can significantly affect your financial situation.

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