Credit scores are numbers assigned to you by each of three credit bureaus: Experian, FICO, and TransUnion. Your score can range anywhere between 300 and 850. Financial institutions, banks, and yes even landlords will check your score to help them evaluate your credit trust worthiness. The higher the score an individual or company has the more history they have paying back their bills on time.

By federal law you’re entitled a single raw credit score check from either Experian or TransUnion each year. Where as with FICO you’ve got pay a fee, but its often been lauded as the most accurate report of the bunch. With that being said, you’ve got the option of applying for it online or call: 1-877-322-8228.

Raw Credit Reports

Truth be told that old saying of, “You get what you pay for.” rings true. For those among us who’re not complete finance nerds the standardized free reports are frankly useless. Because its like getting a test handed back without having any of your mistakes explained. Plus you only get to look at a once every year, and a lot can go wrong before the next time you get to check your standings. Honestly, its almost like, why bother?