How Do I Find Out My Credit Score Online?

Welcome to another lesson in consumer credit. Let's get started with today's topic.

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You know your credit score is important when buying a home, because the subject always comes up during real estate programs, news stories, etc. The question is, where do you go to find out where you stand? More specifically, first-time home buyers want to know: “How do I find out my credit score online?”

This is a very confusing topic for many people, and it’s easy to understand why. So in order to help you understand this subject, I’ve broken it down to ten key points:

• First, you need to understand that your credit reports and scores are different things. You can get your reports online for free (once a year) by visiting AnnualCreditReport.com. But you will have to pay to find out your credit score online.
• Many websites offer free credit scores, but they require you to sign up for some kind of identity theft prevention service. So it’s not really “free,” now is it? I have yet to find a service that offered free scores with no strings attached — it’s just too much of a profit industry.
• The best place to find out your credit scores is through the websites of the reporting bureaus (Experian, Equifax and TransUnion). You can use the link at the top of this page to get started with this process.
• You will need a good credit score in order to get approved for a mortgage loan. So if you find out that it’s low, you should work hard to improve it before applying for a loan. You can learn how to do this from the main credit page of our website.
• You are the only one who can improve your credit situation. There are many companies who offer to help you with this, but most of them are scams. So if you find out your credit score and learn that it’s low, you must rely on yourself to improve it.

Find Out Where You Stand

This articles answers a common question among first-time home buyers: How do I find out my credit score using the Internet? When you apply for a mortgage loan, the lender will want to see how you have managed your credit in the past. They do this by pulling your reports and scores.

What does all this mean? It means you need to find out where you stand early on in the home-buying process, and make improvements if necessary. It will help you get approved for a mortgage, and will also help you get a good interest rate on the loan. So find out your score today and take the appropriate action.