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Best Ways to Get Your Credit Score

Posted by Cheryl Costa  October 13, 2009 10:40 AM

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Most people know that they are entitled to free copies of their credit reports but getting a copy of your credit score is trickier and can be more expensive. One easy and inexpensive way is to ask for your score whenever you apply for credit. For example, if you are applying for a new mortgage, refinancing an existing mortgage, buying a new car or even applying for a payment plan with an oil heat company, the organization extending you credit will have pulled your credit report and credit score. These individuals can easily tell you what your credit score is -- at no cost to you.

But what if you haven't applied for credit lately and don't intend to -- or you want a glimpse of your score before you bother applying for credit? You can certainly contact one of the major credit bureaus like TransUnion, Equifax and Experian and request your credit score but these agencies will charge you a fee. Similarly, the website that offers you your free annual credit report (www.annualcreditreport.com) will give you your score for a fee of $10 or so.

If you don't want to pay a fee for the score, you can get a pretty could idea of the range of your score by visiting www.credit.com and www.creditkarma.com. These sites also offer valuable information on how your score is determined and how you can improve it. For more information on your credit score, the various organizations that provide credit scores, and tips for improving your score, check out this recent Wall Street Journal article.

This blog is not written or edited by Boston.com or the Boston Globe.
The author is solely responsible for the content.

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ABOUT MANAGING YOUR MONEY
Local finance professionals share insights and advice on issues such as budgeting, managing debt, and retirement planning.

About the contributors

D. Abraham Ringer is a CERTIFIED FINANCIAL PLANNER practitioner and a Financial Adviser with Morgan Stanley Global Wealth Management in Boston. He is registered in MA, NH, NY and several other states to which his articles are directed. For more information please visit www.morganstanleyfa.com/ringer
Financial Planning Association™ of Massachusetts has 900 members who specialize in the financial planning process. Many of its members engage in philanthropic pro bono work in their communities, recommend legislation, elevate public awareness, promote financial literacy, and advocate for sound economic and tax policies.
Odysseas Papadimitriou is the founder of CardHub.com, a credit card and gift card marketplace, and WalletHub.com, a personal finance site. He has more than 13 years of experience in the personal finance industry, and previously served as senior director at Capital One.

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