قالب وردپرس درنا توس
Home / Tips and Tricks / 5 Best Ways to Check Your Credit Score From Your Cell Phone or Laptop

5 Best Ways to Check Your Credit Score From Your Cell Phone or Laptop



The Apple Card will be released this summer.


Screenshot by Katie Conner / CBS Interactive

Knowing your credit is an important part of your financial picture. You need a credit check for loans and larger purchases, eg. For example, down payments for a new home or a new vehicle and when opening some new credit cards. By being involved in your balance, you can verify that your identity has not been stolen. Keep in mind that looking at your credit does not affect your creditworthiness.

With the new Apple Card coming out this summer it may be time to conduct a credit check before you apply. You must be a well-qualified customer to be eligible for the new credit card. Apple has not explained exactly what that means, but knowing how good you are is not a bad thing.

If you have not recently reviewed your credits, start with a well-known company such as Experian and Credit Karma (full list below). There are several who offer a range of services at different prices, including a free online check and a free 30-day trial. Remember that some companies need your credit card details, but they usually offer additional services, such as: For example, insurance against identity theft and the suspicious use of your social security number.

How does a credit score work? Everyone starts with a FICO score. This is your credit rating, which can range between 300 and 850. The higher the value, the better. Some factors that affect your FICO score include "hard requests" such as applying for credit (your credit is being reviewed); "derogatory trademarks" such as the subsequent payment of an invoice (these can keep your score low); and how much of your total credit you use (the less you use, the better). You will receive a FICO rating from the three major US credit bureaus: Experian, TransUnion and Equifax. These services collapsed.

Read: The Best Identity Theft Surveillance Services for 2019

Experian

  • Free 30 Day Trial
  • Price: $ 20 per month
  • Offers Credit Enhancement Tool [19659011] Includes Identity Theft Surveillance
  • Indicates that fraud is being handled if your identity or personal information is stolen.
  • Shows your FICO ratings for all three offices (Experian, TransUnion, Equifax) [19659011] Monitors your credit [19659017] Experian "data-original =" https://cnet3.cbsistatic.com/img/ZVxjPe775Y7g8d-6EQQyGWN2H5U = / 724×0 / 2019/03/29 / 85536521-86fc-40eb-c8c96c075050750750750750 .jpg “/>

    Experian Credit Examiner.


    Screenshot by Katie Conner / CBS Interactive

    Experian (or download the app for iOS or Android) is one of the major credit monitoring services that provides your FICO ratings for the three offices. Experian can help you increase your FICO score by using the already paid utility bills to apply for your credit. Your new credit scores will take effect immediately.

    The Company monitors identity theft and performs daily scans of Dark Web pages to determine if your information has been stolen. When something is discovered, Experian says his support team will help.

    TransUnion

    • $ 25 per month
    • Includes free identity protection
    • Unlimited access to score and report
    • Credit Lock Plus
    • Up to $ 1,000,000 ID theft insurance

    Also Among the top three credit insurer credit monitoring services are TransUnion (or download the app for iOS or Android). With TransUnion, you can review your credit score report as many times as you want, when your score has changed.

    Identity Protection is provided by Javelin, a provider of identity protection services. Your monthly fee includes credit monitoring, instant alerts when someone applies for a loan on your behalf, and up to $ 1,000,000 for ID theft insurance. TransUnion Credit Lock is a service that keeps your credit profile locked until you unseal it. For example, if a criminal applies for credit for your name, the lock prevents him from stealing your credit information.

      transunion "data-original =" https://cnet1.cbsistatic.com/img/T223O1T8_Sstdkqv4HaEgOmjKXA=/724x0/2019/03/29/60fae512-1229-4ca4-beab-61e25d8c8342/transunion.jpg

    TransUnion credit score checker.


    Screenshot by Katie Conner / CBS Interactive

    Equifax

    • $ 5 for a 30-day trial
    • $ 20 a month
    • Shows your three-bureau FICO results
    • Includes identity protection
    • Sends alerts about suspicious Activities and Monitor Social Security Number

    The third major US credit bureau, Equifax (or the app for iOS download), suffered one of the worst […] privacy violations of which [1945919] more than half of all Americans were affected . Equifax has a three-year plan to regain your trust .

    If you forgive, Equifax's performance is comparable to that of its competitors. It provides a copy of your Equifax credit report and monitors your credit and social security numbers by scanning websites selling consumer information. Equifax also sends alerts about suspicious activity, such as someone applying for credit in your name on the other side of the country.

      equifax "data-original =" https://cnet2.cbsistatic.com/img/F1tG0wMoDwGHEdMLZ6Mhz_I8OcA=/724x0/2019/03/29/b8c9e09a-26e6-4fa2-bd80-9c61e079a467/equifax.jpg[19659045(eequifax

    .Equifax monitors your credit and social security number.


    Screenshot by Katie Conner / CBS Interactive

    Read: How the Equifax hack happened and what else to do

    Credit Karma

    • Free
    • Check cost points for free
    • Monitorkredit
    • Displays credit factors and how Impact Your Score

    Credit Karma (or download the app for iOS or Android) is a personal finance company. You can use it to check your credits as often as you want for free. You can also access your credits from TransUnion and Equifax, but not from Experian. Credit Karma monitors your balance and sends weekly updates and alerts you when your credit points change.

    The site also shows you your score and credit factors, which affect your score as if you use too much of your credit card credit limit, divergent brands and hard requests.

      credit-karma "data-original =" https://cnet3.cbsistatic.com/img/83sz8EijEnwK1ilHLDLlsADQ8Yw=/724x0/2019/03/29/15e31f93-e37c-43b3-9914-ecf4483b5ccc/crerb4483b5e/

    Credit Karma shows your TransUnion and Equifax scores.


    Screenshot by Katie Conner / CBS Interactive

    Mint

    • Free
    • Check your credits for free
    • All personal information is encrypted.

    Mint (or download the app for iOS or Android) is a free service for managing your personal finances. In addition to tracking your payments, you can also find out where your credit is missing, such as not having a long credit history and where it works well, such as: B. pay bills on time. Mint shows you your on-time payments, credit usage (to see if you can reach your limit), and the average creditor on a screen.

    After you verify your identity, Mint sends your credit report summary and credit-worthiness alerts when your score goes up or down.

      mint "data-original =" https://cnet3.cbsistatic.com/img/FNpeQEDDAlWXLGQkcdwwaBnDJd4=/724x0/2019/03/29/9ea16482-1c40-47cd- b000-5603d4a46155 / mint.jpg

    Mint displays all credit information on one screen.


    Screenshot by Katie Conner / CBS Interactive

    FreeCreditReport.com

    • Free
    • Review Your Experian Credit Score
    • Every 30 days, all information is updated.
    • Monitor credit utilization, hard requests, and late payments
      Freecreditreport "height =" 0 "width =" 370 "data-original =" https://cnet3.cbsistatic.com/img/2z-xaQSaqKFHBxHITS3SNx-QDue = / 370x0 / 201/03/03/29 / 5c744add-98e5-446f-be1d-e4140dc84a29 / freecreditreport.jpg </p>
<h3>  freecreditreport "height =" 0 "width =" 370 “/></span></noscript></span><figcaption><span class=

    FreeCreditReport.com displays your Experian Credit Report ,


    Screenshot by Katie Conner / CBS Interactive

    FreeCreditReport.com is a reduced service from Experian that gives you free access to your credit report. The company provides you with updated credit information every 30 days. You have access to your account history, such as real estate and credit accounts. FreeCreditReport.com will show you hard inquiries about your account, track your credit usage, and indicate potential brands such as late payments.

    Mix and match services can help to get more ground

    When it comes to checking your credit, there are many ways. You can choose a service or pair free services to access your FICO score from all three major offices.

    However, if you follow this path, keep in mind that you do not have the promised credit protection and monitoring offered by Experian, TransUnion, and Equifax.

    Released on March 31 at 7:00 pm PT
    Update, April 2 at 3 am PT : More details added

      http://www.cnet.com/ "height =" 109 "width =" 194


    Now Playing:
    Now showing:

    Apple Card FAQ: What You Need to Know



    4:02


Source link