| If you are in a hurry to learn your credit score right | | | | important that you seek out a source of all three credit |
| away, you could be frustrated to learn that not all | | | | reports and scores if you are hoping to secure a loan |
| credit reports are available instantly and they don't | | | | in order to get the full picture of your credit situation. |
| always include credit scores in the report. Even more | | | | One of the most popular free credit report services, |
| confusing is the fact that you have not one credit | | | | the one with the catch y jingles doesn't even provide a |
| score but three, one for each credit bureau and they | | | | credit score at all with their reports, much less all three. |
| are not always the same. Read on as we decypher | | | | This is actually common among many of the free |
| the world of free credit reports and show you how to | | | | credit report sites on the web. |
| get your free instant credit score without hassle and | | | | Fortunately, there are some sites and services that do |
| confusion. | | | | provide access data from all 3 bureaus. To be sure |
| There are several ways to get a free copy of your | | | | what you are getting when you request your free |
| credit report, but credit scores are a different matter. | | | | credit report, you will have to read the fine print of the |
| Your credit score, also known as a FICO score is | | | | offer or refer to a credit report review site like the one |
| determined by a complex and highly secret algorithm | | | | linked below for guidance. |
| developed by the Fair Issac Company. There are | | | | What you are ideally looking for is a 3-1 report with |
| three major credit bureaus that each maintain | | | | scores. This is an industry term for all three credit |
| separate data on your credit history. From this data, | | | | reports and all three credit scores. |
| each bureau computes your FICO score and this is | | | | There are several providers that offer a 3-1 report |
| the score that they provide to creditors when you are | | | | with scores for instant online download when you sign |
| seeking a line of credit. | | | | up for a free trial of one of their credit monitoring |
| The problem is that because they use separate | | | | offers. Altogether this is not a bad deal. You get |
| databases, the credit scores are not always the same. | | | | immediate access to the data you need, plus you get |
| Even tiny differences in your scores can have a | | | | to try out a new service that can help you maintain |
| drastic effect on whether or not you are eligible for a | | | | good credit over the long run. |
| loan and if so at what rate. For this reason, it is | | | | |