Credit Scores - Where do you fit in?

Real Estate Agent with Full Time REALTOR in Ohio 2003019176

So, how does your credit score? Are you an 800+. 750 - 799? 700-749? 650 -699? 600-649? 550-599? Under 550?

There is a Federal Law put into place, entitling a consumer to a free credit report every year - but these credit reports do not tell the consumer what their credit scores are. Credit Scores are not "freely" given out, that answer is going to cost you anywhere from $6 to $15 or so. Your credit score is determined from the credit report, along with several other factors, so it is very important to review your credit reports to make sure they are error free. Paying bills on time is one major component, but that alone will not guarantee a perfect score of 800+. Did you know, for example, if you have a credit limit of $5000 that you should only use $2500 of it? It's true, by not maxing out this credit card and only using up to half the amount will make a difference in your credit scores.

You do not have to buy credit monitoring to get your credit score, here are your other options:

Experian ($6 plus tax) or call 888-322-5583

Transunion ($7.95) or 866-726-7388

Equifax ($7.95) or 800-685-1111

*fees are subject to change, but this was the latest quote I had received from each agency.

Take the credit score quiz:  (this site has a calculator that estimates your FICO scores)

Do you have credit issues? Would you like FREE access to articles, financial alternatives, or other consumer resources available to look over 24/7 in the privacy of your home? Check out this site:




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carla harbert
westlake realtor

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Keith Goodman
Keith Goodman - Merced, CA
Carla, thank you for your blog on credit. It is very important for the public to know their rights with the Credit Reporting Agencies. I write articles on credit. We do our best to educate and help our clients. It can save them thousands in their future. Thanks, Keith
Mar 23, 2008 08:49 AM #1
Lorinda Ward
Keffer Realty - Norfolk, VA
Serving, Hampton Roads Virginia. Norfolk, Chesapeake, Va Beach

Excellent post, I also wrote a blog on helping people get a hold to there credit reports for free and how ofter they should go over it.

Have a great Easter.

Mar 23, 2008 08:59 AM #2
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Carla Harbert

RE/MAX Omega, Brunswick Ohio
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