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How To Check Your Credit Score

Your credit score is a rating that informs lenders how well you’ve handled credit in the past. Lenders use this information to determine loan eligibility, rates, and more. Generally, your score ranges from 300 to 850, 300 being the worst score possible. Using a weighted system, the score is compiled by looking at:
  • payment history
  • amounts owed
  • length of history
  • types of credit
  • number of account inquiries

According to Wells Fargo, you can request a free copy of your credit report from the three major agencies that compile them: Equifax, Experian, and TransUnion. This can be done once a year at AnnualCreditReport.com or by calling 1-877-322-8228. You are also allowed to see your credit report within 60 days if the following happens:
  • you are denied credit
  • you are on welfare or unemployment
  • your report is inaccurate

Staying informed is the key. By understanding which types of credit affect you the most, how much you can borrow, and what your score is, you’ll be better able to obtain credit for a house, car, or even for an education.

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