Do you know your credit score? If not, here is a good list of ways to check your credit scores for free. I signed up for a few of these free accounts and got my scores. Naturally, the next question is what is a good credit score? Follow by, how do I compare to others? To answer these questions, I am going to show you my credit score from a few of these services with a screen capture that shows how credit score is mapped into a credit rating scale. Note that for the most part, credit score ranges from 300 to 850.
My Credit Sesame score (provided by Experian) is 781 on a 300-850 scale. This fall under the Excellent category. According to Credit Sesame:
My Credit Karma score (provided by TransUnion) is 772 on a 300-850 scale. This is considered Excellent. According to Credit Karma:
The standard Credit Score on CreditKarma is the TransRisk New Account Score provided by TransUnion. This risk score represents your likelihood of deliquency or non-payment of credit obligations. This score is based on information in your TransUnion credit report and ranges from 300 (minimum) to 850 (maximum). The score is calculated using TransUnion’s proprietary model for assessing the credit risk of existing accounts and was constructed using a selected group of factors drawn from your credit records at TransUnion.
My Quizzle score (provided by Experian) is 779 on a 300-850 scale. This fall under the Excellent category. The thing to note in the graphic above is the credit score range.
Equifax Credit Score Card™ does not provide your exact score, it only tells you which of the 5 credit rating groups you fall into. Again, you can see how Equifax categorizes credit scores into different buckets. According to Equifax:
The Equifax Credit Score Card is a summary of your credit score range based on data from your Equifax credit file. Your credit score range is based on the Equifax Risk Score, not the FICO® Score. The Equifax Risk Score ranges from 280-850. Higher scores are viewed more favorably.
Check out these free services and see your credit score.
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