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Credit Scores and Credit Reports

A credit score is a number that is calculated based on your credit history to give lenders a simpler “lend/reject” answer for people who are applying for credit or loans. This number helps the lender identify the level of risk they may be taking if they lend to someone. Although there are several scoring methods, the score most commonly used by lenders is known as a FICO because of its origins with Fair Isaac and Company. Fair Isaac is an independent company that came up with the scoring method and software used by banks and lenders, insurers and other businesses. Each of the three major credit bureaus (Experian, Equifax and TransUnion) worked with Fair Isaac in the early 1980’s to come up with the scoring method.

Your credit score is calculated in a weighted formula. It uses the information in your credit report. The number itself can range from 300 to 900. The formula for exactly how the score is calculated is proprietary information and owned by Fair Isaac.

In most instances, you need to pay to see your own credit scores. But a few credit cards offer their card members free access to credit scores and reports, for example, Barclays Ring MasterCard, etc. In addition, some credit monitoring services also offer free credit scores and reports.

Free TransUnion Credit Score
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Free TransUnion Credit Score

  • Join TransUnion® for your Free Credit Score Now
  • Unlimited updates to your TransUnion Credit Report and Score
  • Email updates of critical changes
  • Instant email alerts sent as soon as TransUnion finds out someone's applied for credit in your name
  • Lock and unlock your TransUnion Credit Report
  • Personalized Debt Analysis & Credit Score Trending
  • Score Simulator - see how specific credit choices may affect scores
  • unlimited toll-free access to ID theft specialists
  • Up to $1,000,000 ID Theft Insurance


Experian Free Credit Report
Learn more for Experian Free Credit Report Online

Experian Free Credit Report

  • Get your Experian Credit Report FREE at freecreditreport.com
  • No credit card required
  • Checking your own Report doesn't hurt your credit
  • Report refreshed every 30 days on sign in


TransUnion Credit Monitoring
Learn more for TransUnion Credit Monitoring Online

TransUnion Credit Monitoring

  • UNLIMITED updates to your TransUnion Credit Report & Score
  • Email updates of critical changes to your TransUnion Credit Report
  • Personalized Debt Analysis & Trending


TransUnion Identity Protection
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TransUnion Identity Protection

  • Identity Protection. For You. For Free. For Real. TrueIdentity, part of TransUnion®
  • Get powerful, 100% free ID protection with TrueIdentity



Barclaycard Ring MasterCard
Apply for Barclaycard Ring MasterCard Online

Barclaycard Ring MasterCard®

  • A low, variable APR on balance transfers and purchases
  • No Annual Fee
  • No balance transfer fees
  • No foreign transaction fees
  • Share in the community profits through our Giveback™ program
  • Vote on product changes and share your ideas in Barclaycard Ring's community
  • Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed
  • Click here for more details on Barclaycard Ring MasterCard® from Barclaycard
Intro APRIntro APR PeriodRegular APRAnnual Fee
N/AN/A8.5%* Variable$0


Credit One Bank Visa with Credit Line Increase Reviews
Apply for Credit One Bank Visa with Credit Line Increase Reviews Online

Credit One Bank® Visa® with Credit Line Increase Reviews

  • Interested in growing or rebuilding your credit? We report monthly to all three major credit bureaus. Take advantage of free online access to your credit score and credit report summary.
  • See if you're Pre-Qualified in less than 60 seconds.
  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Automatically earn 1% cash back when you buy gas or groceries. Terms apply.
  • Flexible payment date to assist you in making your payments on time.
  • Click here for more details on Credit One Bank® Visa® with Credit Line Increase Reviews
Intro APRIntro APR PeriodRegular APRAnnual Fee
N/AN/A15.65% - 24.15% Variable$0 - $99


Experian $1 Credit Score
Learn more for Experian $1 Credit Score Online

Experian $1 Credit Score

  • What's your credit score? Receive your Experian Credit Report & FICO® Score for $1 with enrollment in a 7-day free trial of Experian CreditWorksSM
  • Experian.com is the leading provider of online consumer credit reports, credit scores, and credit monitoring.
  • Checking your own credit report will NOT lower your score
  • Review your credit report for potential inaccuracies
  • Toll-free support available 7 days a week
  • Fast and easy


CreditCheckingToday.com
Learn more for CreditCheckingToday.com Online

CreditCheckingToday.com

  • Get your FREE TransUnion Credit Score™ & $1 Credit Report
  • Also receive a free trial to Transunion 3-Bureau Credit Monitoring
  • 24/7 credit file monitoring and alerts of key changes to your Equifax, Experian, and TransUnion credit files.
  • Ongoing access to your Transunion Credit Score™


GoFreeCredit.com
Learn more for GoFreeCredit.com Online

GoFreeCredit.com

  • Online Access in minutes
  • Checking your own credit will NOT lower your score
  • Help spot the early signs of Credit Fraud & Identity Theft
  • Click Here to Get Your Free Credit Score & Credit Report for $1
gofreecredit


Equifax Small Business
Learn more for Equifax Small Business Online

Equifax Small Business

  • Easily and immediately buy small business credit reports or subscribe to monitoring services on businesses in the United States.
  • Unlike traditional business credit reporting services, Equifax Small Business goes beyond payables and trade account information and eliminates the bias of self-reported financial information and selective provisioning of business references.

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