There are dozens of versions of your score a lender can use to evaluate you for a car loan or a mortgage. Keep in mind that the score you see probably isn't the exact one used by a lender, however. "It's probably the most important numerical figure that you get once you've stopped your education," says Bill Hardekopf, CEO of. Your credit score is important because it is used by lenders to determine not only whether you'll get a car loan, mortgage or credit card, but also how high of an interest rate you'll pay. When you start looking at your credit score, especially with some regularity, you'll get a pretty good sense where you stand. FICO scores range from 300 to 850, with anything above 780 considered very good and anything below 600 considered fair to bad.
#HOW TO GET ONLINE FREE CREDIT SCORE FREE#
Remember that you also get a free score when you apply for a mortgage, or if you're ever denied a loan. This gets you a credit monitoring service that seeks to track your credit activity and notify you of unusual behavior, but experts say it's typically not worth it and suggest simply pulling one credit report every four months. Unless you cancel your membership after seven days, you'll be charged $21.95 per month.
#HOW TO GET ONLINE FREE CREDIT SCORE TRIAL#
But you'll actually be asked to pay $1 for a credit score and credit report, upon which you're automatically roped into the site's trial membership. For instance, you might think a site like would deliver on its name and give you a free credit score. However, be wary of other sites that require your credit card number. They make money by suggesting loans, credit cards and other financial products to you based on your credit. These sites offer truly free credit scores and won't ask you for credit card information. If you aren't getting a free credit score through a financial institution, there are several websites that offer them, such as, and. Wells Fargo, for example, has given customers a chance to request their score once per year during a given period.
To access your free Equifax Canada consumer credit report, disclosure, please visit and click on Get my free credit report.ĭuring Equifax Customer Care standard operating hours.Other banks are running limited-time promotions Keep in mind that lenders and other third parties may take into consideration information derived from payment profile tables when evaluating your creditworthiness. A payment profile table lists your historical monthly payments and balances for a particular account, spanning a period of up to 25 months. The Equifax Canada credit report provided under the offers described herein does not include the payment profile tables which are contained within your free Equifax Canada consumer credit report. You can also receive this Equifax credit score by mail, by phone or in person directly from Equifax Canada. Please keep in mind third parties may use a different score when evaluating your creditworthiness and will consider items other than your credit score, such as information on your credit file and information you provide in your application for credit.
While this score is similar to scores usually communicated to lenders who request it, it is being provided to you for your own educational use.
The Equifax credit score provided under the offers described herein a proprietary credit model developed by Equifax Canada and provided to you via the myEquifax platform by Equifax Consumers Services LLC (“ECS”), a U.S. There are many different credit scores provided by different companies that are used to help predict how likely you are to pay your bills on time.