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Listed along with each credit card offer is a general "credit needed" guideline. The type of credit needed for a specific offer usually falls into one of the following categories:
Each credit card issuer evaluates potential cardholders differently, so it is difficult to predict for certain whether or not an individual will be approved for a specific credit card offer. However, it can be extremely helpful to have a general idea of where your credit stands before applying for a new credit card. Below you will find online companies that offer credit report, credit score and credit monitoring services to consumers. FICO Credit Score
Free Credit Score
Note: Some free credit score services come with a free trial of a credit monitoring service. In most cases, you must cancel your free trial membership within a specified amount of time in order to avoid being automatically enrolled in the service for a set monthly fee (after the trial period ends). Free Credit Reports Also, you can now — thanks to the Fair Credit Reporting Act — request a free copy of your credit report once each calendar year. Please note that this free credit report does not include a free credit score. See Can I get a free credit report? for more information. More Information For more information about various topics relating to credit reports, credit scores, and credit monitoring, visit our Credit Reports FAQ area.
Your credit score is a three-digit number ranging from 300 to over 800 that is calculated using many different factors. Although the exact methods of computing credit worthiness vary widely, there are a few basics to keep in mind. Read more
Inaccuracies can show up on your credit report for many reasons. And these kind of mistakes can really end up costing you when it comes time to buy a home, purchase a car, rent an apartment or even land a new job. Read more
There are many misconceptions about credit scores, how they can affect you and how you can affect them. Answers to four questions can help clear up some confusion. Read more See also: · Credit Card Tips & Advice · Articles Related to Credit Scoring « Credit cards main page
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