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 score report so that you know where you stand and what needs improving in your report. You can skip the how to get my credit score guide if you already have your reports or already have good credit, and can return and use it as a reference when you need to a more current report or wish to reference our guide on how to get my credit score.
The following guide will walk you through the following techniques:
- How to get my credit score free
- How to get my credit score from niche agencies
- How to get my credit score from the courts
- How to get my credit score 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 score free as persuant to your rights. I can get my credit score once annually for a small handling charge, if I want more copies within the same year I need to pay to get my credit score again.
How to Get My Credit Score 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 credit score 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 get my credit score guide for further tips.
How to get my credit score with 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:
- Experian: PO Box 2002, Allen TX 75013, www.experian.com
- Equifax: PO Box 740241, Atlanta, GA 30374; www.equifax.com
- TransUnion: PO Box 2000, Chester, PA 19022; www.transunion.com
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 how to get my credit score 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.
How to Get My Credit Score 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 credit score 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 how to get my credit score process as delinguencies can affect your attaining good credit.
- ChoicePoint's Consumer Disclosure
P.O. Box 105108
Atlanta, GA 30348-5108
www.choicetrust.com
How to get my credit score with judicial judgements:
The following link is used if I wish to know how to get my credit score 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 my credit score pertaining to utilities bills:
- National Consumer Telecom & Utilities Exchange (NCTUE)
www.nctue.com
The next step in the how to get my credit score process is to check my rental history to see if there are any negatively impacting reports when I get my credit score as 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.
- www.mib.com/html/request_your_record.html
Toll-free number for disclosure is (866) 692-6901
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 in their eyes financially. Congratulate yourself, you have completed the first step towards good credit benefits.
How to Fix My Credit Score
Now that you have completed the first step of the guide on how to get my credit score, it is time for step two where we learn how to fix my credit score to achieve good credit. Learn how to dispute erroneous items on your report.