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how to get my credit score

How to Get My Credit Score

The following are the very same resources and information my team uses when we need to know how to get my credit score from the credit reporting bureaus to begin the journey towards good credit. Follow the process below to get your credit report so that you know where you stand and what needs improving in your report. You can skip the how this step in the good credit guide if you already have your reports or already have excellent credit, and can return and use it as a reference when you need to obtain a more current report or wish to reference our guide again.

The following guide will walk you through the following techniques:

  • How to get a free credit report
  • How to get my report from niche agencies
  • How to get my credit score from the courts
  • How to get my report from the medical bureaus

The first in the how to get my credit score guide is the Federal Trade Commission to brush up on my rights as a credit consumer. Believe it or not, your rights change and the most current accurate information can save you time and money. The FTC is a crucial resource in attaining good credit and knowing your rights as a consumer.

 

The FTC has setup the website www.annualcreditreport.com so that you could get your credit reports free as persuant to your rights. I can get my score annually for a small handling charge, if I want more copies within the same year I need to pay to get my reports again.

 

How to Get Get Good Credit Free Tip: You are also entitled by law to recieve a free credit score or report when you are turned down for credit within 60 days even if you have already been given your free credit report for that year. Simply send in your disapproval letter to the three reporting bureaus and state that you were denied credit, employment or insurance, by whom, and the date and they are obligated to send you a free credit report. Follow the remainder of the how to guide for further tips.

 

Want to know how to get your credit report from the Big Three credit reporting bureaus? Contact them directly with the following links. In the United States these reports are maintained by three major reporting agencies:

It is important to note, there are other smaller good credit score agencies but in a majority of the cases the previous three are the only reports I need when I am working through the good credit guide. If your credit history is relatively clean of special circumstances, most good credit consumers can simply follow the how to get my credit score guide for the big three agencies. If your situation is specialized, read on for information how to get my credit score from the niche agencies.

 

Getting A Credit Report From Specialized Bureaus:

I can also get my credit score from the following niche bureaus if I have reason to believe I would be on their radar in my attempt to achieve good credit.

 

If you are having trouble opening a checking account, you might be listed with ChexSystems, a reporting bureau that can affect your good credit and also falls under the FCRA and is obligated to provide your credit score. Their contact info is:

 

  • Attention: Customer Relations
    12005 Ford Road, Suite 600
    Dallas TX 75234
    800-428-9623
    www.chexhelp.com

How to get my CLUE© report:

My next step I use on the how to get my credit score guide would be to request my CLUE© report from ChoicePoint. When I get my credit score the ChoicePoint report keeps a record of any car insurance claims and insurance history. ChoicePoint is obligated under the FCRA to provide a free report just as like the credit score bureaus and is an important piece of the good credit process as delinguencies can affect your improving your credit.

How to get my credit score with judicial judgements:

The following link is used if I wish to get a report with regards to past judicial judgements:

  • CourthouseDirect.com
    P. O. Box 70558
    Houston, Texas 77270
    Phone: (713) 683-0314 or (713) 683-0491
    Fax: (713) 683-0493

How to get my credit score miscellaneous reports:

This is how to get your report pertaining to utilities bills:

  • National Consumer Telecom & Utilities Exchange (NCTUE)
    www.nctue.com

The next step in the reporting process is to check my rental history to see if there are any negatively impacting reports when I get my score as a good credit history can affect future rental attainment.

  • Tenant History Credit Bureaus
    www.saferent.com
    toll-free for consumers (888) 333-2413

Lastly, when I get my credit score I can get a report from the medical information bureau which has information relating to any medical insurance records if I have applied within the last seven years as an individual. *Your record usually does not end up in their hands if you were part of a group plan.

There you have it, you have now completed the how to get my credit score guide and should have attained all the reports from the different agencies available to get a full and accurate understanding of your standing, good credit or bad, in their eyes financially. Congratulate yourself, you have completed the first step towards good credit benefits.

How to Fix My Credit Score

how to fix my credit score

Now that you have completed the first step of the obtainging your credit score guide, it is time for step two where we learn how to fix my reportings to achieve good credit. Learn how to dispute erroneous items on your report.