What Your Credit Score Says About You

Your credit score is the 3 digit number that reveals your entire financial picture. Having a good credit score means you’ll benefit from cheaper car insurance and lower interest rates on loans and credit cards. There are many ways to improve your credit score if it falls below the good or excellent range, but the first step is to check it for yourself. 

Some websites show you your score for free, but they often apply their own formula and provide you with an estimate and not your accurate FICO score that banks and creditors use. FreeScore360 has partnered with all 3 official credit bureaus to give you your 3-in-1 FICO score when you start a 7-day trial of credit monitoring. 

Why sign up for credit monitoring?

It’s no longer enough to know your score or check your credit report once a year. If your credit score needs work, there is a chance you are one of 33% of Americans who have been affected by a recent credit breach. 

Unauthorized credit accounts created in your name and fraudulent credit card transactions can have a negative impact on your score. Other factors can lower your score such as multiple credit inquiries in a small time frame, late payments on loans and credit cards and using more than 30% of your credit card limits.

Your credit score is the most important number in your financial life. If you are applying for a loan, a credit card, any type of insurance, or making any other financed purchase, you’ll have a much better chance of approval and a low rate if you know your credit score before applying.

You can check your updated credit report and score from all 3 bureaus in minutes at FreeScore360 and dispute any errors directly with the credit agencies. Know what a loan officer or credit approval department will see on your credit report and be prepared to explain any concerns.

Don’t get rejected for insurance, a car loan or an apartment because you weren’t prepared. Check your credit score and report now.