Go to
http://www.credit.com/
and get your free credit score. It's not an actual FICO score but will give you a FICO score range, as well as lots of other valuable information about your credit score by breaking down each category. It will give you a letter grade (A,B,C etc..) for each area and tell you tips on how to improve that area
The link I referenced above is free and has no strings attached and no spam email to follow. It gives you a grade for the following areas:
Payment History (35% of total score)
Debt Usage (30% of total score)
Credit Age (15% of total score)
Account Mix (10% of total score)
Inquiries (10% of total score)
Besides an estimated credit score range for FICO, it also gives you your credit score ranges for VantageScore, PLUS, TransUnion , and CreditXpert.
It tells you how many years of credit history you have (the actual month and year of when you first established credit) , how old your youngest and oldest accounts are, and the average age of all credit accounts. It also tells you how many years of on-time payments you've had, and how many late payments you've had that have gone past 30 days.
It tells you how many revolving accounts you have, how many mortgages, auto loans, and student loans.
It gives you a percentage for your debt-to-limit ratio, your total in credit card debts at the time you run the report, and how many accounts have a balance on them.
It tells you how many inquiries happened within the last year, how many older inquiries there are, and the date of the last inquiry.
Each section also gives you tips for keeping your score high or how to raise it for each area that you're given a grade on.
I think it's a very useful tool and it was interesting to run and see all of the numbers.
__________________
One is enough, thank you! Anyhow, I'm just too lazy to pull out my paperwork right now, but I'm 95% sure they use TransUnion.) I've never has a problem with spam from them, either. Your estimated score updates once a month.
