MyFreeScoreNow USA Credit Score and Report Online Email Alerts

Credit Reports

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MyFreeScoreNow provides consumers with information and tools to help them better understand, monitor and protect their credit scores and credit information. members receive a free credit score and score report, a personalized report of factors affecting their credit scores, email alerts of significant changes to their credit reports, an updated credit score each month, email notice when someone views their credit report, and daily credit report monitoring.

You will receive:
Today's credit score and report
A personalized report of factors affecting your credit score
Email alerts of significant changes to your credit report
An updated credit score each month
After online identity verification, your score and report will be displayed instantly and securely online.

What is a credit score and who uses them?

A credit score is a number that summarizes your creditworthiness (how likely you are to repay a financial obligation) based on the information in your credit report compared to millions of others. Credit scores have stood the test of time for being powerful predictors of a consumer's future credit performance.

Lenders routinely use credit scores to make quick yes/no decisions (such as instant credit approvals) or to determine the terms of a loan. Employers, insurers, landlords and other businesses also routinely use credit scores. The credit scores on, ranging from 300 to 900, are user-friendly credit score models developed by the credit bureau to help you see and understand how lenders view your credit worthiness. It is not used by lenders, but it is indicative of your overall credit risk.

Higher scores represent a greater likelihood that you will pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk. The credit scores on are not FICO scores. Your credit score is based on the information in your credit file at the time it is requested.

And since the information in your file can change over time, your credit score may be different from day-to-day. Lenders and insurers use several different credit scoring models so don't be surprised if your lender gives you a score that's different from the credit score you receive online. Just remember that your associated risk level is generally the same even if the number is not. If the lender's score is lower than your online score, it is possible that this difference can lead to higher interest rates and sometimes credit denial.



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