How To Get Your Credit Score Report

Introduction

A credit score is a numerical statement analyzed to determine an individual’s credit file, to represent the person’s financial worthiness. You can get your credit score report annually which is best recommended. However it is not advisable to get all three scores at the same time but you can get them every four months per year to be able to plan and monitor them efficiently. Though it is mostly stated that it is free to get your credit score report, you have to pay for the score itself. The following are guiding steps to help you get your credit score report.

Step 1

The first step is to fill in some information online or any bureau starting with the state you are from. You will also have to fill in your personal information like you full name, your date of birth, social security number and your address. After filling in this information, a security question will appear and you will have to answer it. When you have completed filling in this information you are ready for the next step.

Step 2

The second step is to pick a credit bureau which you wish to get your report from. It is important to pick a bureau that you feel comfortable with and should also be the best. Incase they appear on a list you should pick the one on the top. Examples of bureau are like the Trans union bureau. Carefully select the one you want to send your credit score report and proceed to the next step.

Step 3

For the third step you will be transferred to the website of the bureau you selected to get your credit score report. Once you get to there web home page you will click to get started. You will have to verify your account by answering a few questions relating to your account. These questions relate to previous statements to your credit or even current activities that may have affected your credit score. All this is to clarify that you are the legitimate owner of the account. Make sure you have answered these questions correctly since they enable you to proceed to the next step

Step 4

Once they verify that you are the legitimate owner of the account, they will display your credit score report for you to review it. This display shows you your financial statements for the last 48 months of your credit history including your credit cards and loans. Different charts are displayed to show how you have been paying your loans whether promptly or with delays.

Step 5

Once you have been updated on your credit score report, you can now claim the report. You only need to click your free credit score and you will be required to fill in some other information about your self especially your email address, your social security number and answer some security questions. Your credit score report will appear in your email address where you can download it and print it out or just save it in you personal computer.

Tips

Once you follow these simple steps you will get your credit score report so much easily and at ease and you will be able to evaluate how your finances are doing.

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