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, Barclaycard Ring® Mastercard®, etc. In addition, some credit monitoring services also offer free credit scores and reports.

  • Free 7 Day Trial with 3 Bureau Monitoring
  • Roadside Assistance
  • Safe, Daily Credit Monitoring

  • 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

Intro APR
0% on Balance Transfers
Intro APR Period
within 45 days of account opening
Regular APR
13.74% Variable
Annual Fee (Rates & Fees)
$0

  • See if you Pre-Qualify without harming your credit score
  • Track your progress with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Accounts are automatically reviewed for credit line increase opportunities
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Stay in-the-know with customizable account alerts via email and text
  • Receive 1% cash back rewards on eligible purchases, terms apply
  • Enjoy peace of mind with $0 Fraud Liability
  • Click here for more details on Credit One Bank® Platinum Visa® for Rebuilding Credit
Intro APR
N/A
Intro APR Period
N/A
Regular APR
19.74% - 25.74% Variable
Annual Fee
$0 - $99

  • Get the savings plan that helps build credit today! No checking account or security deposit required.
  • Choose the amount you want to save and make monthly payments towards your savings goal
  • Monthly payments are reported to the three major credit bureaus.
  • For Example: A $545.00 Credit builder account, paid 12 times over one year would have a monthly payment of $48.00, and an Annual Percentage Rate of 10.69%

  • 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

  • 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™

  • 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

  • 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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