FICO Score

 

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Your FICO score is a three digit number that can range anywhere from 300 to 850.  This number represents your creditworthiness, or the level of risk you present to lenders. The lower this score, the harder it will be for you to qualify for loans and credit cards, and the loans or credit cards you can qualify for will charge you more in interest and fees.

FICO scores aren’t used solely in consumer credit and lending decisions. Increasingly, employers are using FICO scores in their hiring decision making, and car insurance companies are using low scores a basis for charging higher rates to those customers on the lower end of the scale.

I’m sure you can see how important it is to know your FICO score. That is where a service like myFICO comes in.  It allows you to see your credit score as lenders see it with an explanation of the things, both positive and negative, that affect it.   Order your FICO score today.

By Federal law, you are allowed  one free copy of your credit report per year. You can see your credit report (not your FICO score) for free by going to http://annualcreditreport.com.

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