| The basic question we always ask is what is so | | | | pay for it to see your FICO score. However, there is |
| important about credit score? Getting a loan, applying | | | | an alternative to get free credit report and FICO score |
| for mortgage or a credit card. Your credit report is the | | | | on line. |
| most important factor influencing the lender's decision | | | | Go to and register your name to get a free credit |
| to accept or reject a borrower's application. Of course, | | | | report. You will subscribe to their FICO score |
| the higher the FICO score, the lower the interest rates | | | | monitoring service for 30 days free trial. Your report |
| you'll get for any kind of loans. | | | | will also include updated FICO score. You can cancel |
| So how do we get free credit report and FICO | | | | the subscription one week before the 30 days trial and |
| score? Go to and either fill in the request online, or by | | | | you will not be charged. However, if the FICO score |
| requesting through phone (77-322-8228), or submit a | | | | monitoring service is helping the borrowers to decide |
| hard copy form available from FTC and mail it to | | | | their loan strategies to obtain lower interest rates, then |
| Annual Credit Request Service, P.O. Box 105281, | | | | it is advisable to continue the service until the loan is |
| Atlanta, GA 30348-5281. Everyone is entitled a free | | | | obtained. That's the main purpose of this service. |
| credit report each year from each credit bureau at | | | | Otherwise, cancellation is just a few clicks away. |
| After getting the report, check for any mistakes. The | | | | There are many other commercial report agencies |
| credit report will record every loan you take and all the | | | | which you can choose from, is only one of them. |
| payments you made - whether late or on time. If | | | | Getting free credit report and FICO score is only good |
| someone ever requested a copy of your credit report, | | | | for your reference. The most important thing to do is |
| their names will also be recorded. Other information | | | | to improve your credit score at least up to 720 to be |
| such as bankruptcy, tax lien are also shown in the | | | | considered as good credit. Raising credit score is not |
| report. | | | | rocket science, there are several effective methods |
| You may wonder why the free credit report does not | | | | that can help you raise credit score up to 249 points in |
| include FICO score? It is a truth fact that you have to | | | | 90 days. |