Free 7-Day trial when you order your Free Credit Score. Membership is then just $29.95USD per month until you call to cancel.

Why should you know your score?

A good credit score can mean lower interest rates on home and auto purchases, big savings on insurance premiums, and even increase employment chances! We let you see your score instantly to see where you stand, while also allowing you to verify accuracy and monitor your credit report for changes. See your score FREE.

Credit Scores affect:

Home loan interest rates

Auto financing and loans

Employment opportunities

Renting applications

Insurance premiums

Financial loan applications

And much more!

Are You Aware That There Are Over
40 Million Mistakes* on Americans' Credit Reports!

According to a recent edition of CBS' 60 Minutes*, 40 million credit reports in this country are riddled with errors. That's a lot when you consider that there is a credit report for each of 200 million Americans!

You are likely one of those Americans who has had a credit score thrust upon them.

Here's the scary part: half of those 40 million reports with mistakes, or 20 million, are serious enough to prevent people from getting the loans and mortgages they seek.

Is your credit score one of the dreaded 40 million?

It's easy enough to find out, you can click here for your credit report but, if you desire more information, here's some background...

Interesting facts about credit scores and credit reports:

First of all, let's define what a credit score is:

"A credit score in the United States is a number (a credit score range) representing the creditworthiness of a person, the likelihood that person will pay his or her debts."

In other words, your credit score directly affects how much money you can borrow, whether your apartment rental or cellphone application is accepted, and whether or not you get good terms on your loans and other types of financing.

Click here for your free credit score.

The 3 Credit Bureaus

Credit scores are generated by each of the 3 major credit agencies or credit reporting bureaus: TransUnion, Experian, and Equifax

These companies and others (such as eScore) must adhere to the Fair Credit Reporting Act (see below).

Credit Score Range

When you get your free credit score, you'll see a credit score scale between the low 300s and the mid-800s, so you may think that a score of 600 is a good credit score, right? Not quite; a score of 600 is actually a poor credit score. A good credit score is anything above 700.

The Top 5 Factors That Can Hurt Your Credit

The Consumer Protection Bureau has revealed that the biggest factor used to determine your overall credit score is -- more than any other managed expense including rent, tuition or car loans -- credit card use.

It's the single most heavily weighted variable making up more than half of the information on the average credit report.

Here are some do's and don'ts on credit card usage and how it affects your credit score:

  • Timing can be everything. Don't open new credit cards if you're about to apply for a big loan or pursue a mortgage refinance. You won't have time to prove you're not going to use and abuse the newly acquired spending power.
  • Timing matters when closing credit cards. Taking a long standing card out of the mix lowers the average history length of your combined accounts and a longer track record is considered stronger and more reliable.
  • Some issues may take 7 years to shake. If your payment history is less than stellar with a card, closing it does not close the books on that history. That will take 7 years to disappear from the report, but the effect will diminish over time within that 7-year window especially if you bring your payments up to date as soon as you can.
  • Only use 25% of available credit. Your single most best go-forward move is to keep spending on any and all of your cards to 25% or less of their limits.

Click here for your free credit score.

The Fair Credit Reporting Act (FCRA)

Here is what the government says on the FTC website:

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months (via annualcreditreport.com--sometimes referred to as a free government credit report). The FCRA promotes the accuracy and privacy of information in the files of the nation's consumer reporting companies. The Federal Trade Commission (FTC), the nation's consumer protection agency, enforces the FCRA with respect to consumer reporting companies.

How to get a free credit score

So, how does one get their credit score and are credit scores actually free?

The answer to the second part of that question is YES, credit scores are free (by law) to anyone who asks...and there are several ways to get your free credit score...

The first and easiest way (our biased opinion) is to get it through eScore. eScore is one of the few reputable sources that provide this service...but we take it one step further with 24/7 credit monitoring (monitoring is a paid monthly service but you can try it for 7 days absolutely free by clicking here).

FREE credit monitoring - NO OBLIGATION, RISK FREE...

Once you request your free credit score from eScore you also get a 7-day, free trial credit monitoring account that, within days, will prove to you why it is so important to have your credit score automatically checked each and every day.

Why is it so important to monitor your credit? 

Consider this: you go to the doctor for a routine checkup and he/she orders several lab reports (some of which your insurance company refuses to pay. Sound familiar?). Four months later, you find out the hard way (for example, you couldn't get that car loan because of a bad credit score) that you have an unpaid bill because of some hospital billing office mixup. With 24/7 credit monitoring, you'll never be surprised again by outstanding bills.

Remember, with your good credit report you can buy a bigger, better car, borrow more money, get more furnishings for the house, get better terms on a new apartment lease, and qualify to buy that expensive guitar you've been dreaming about!

So, if you're committed to having good credit or you need some good advice on improving your credit profile, visit eScore -- you'll join our legions of happy customers.

Thanks for visiting and I hope we addressed your questions.

What's Your Credit Score? Find Out Now!

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Megan B. in NC
"I think the customer service was really great. The call center representative handled my issues. I’m satisfied. "
Sep - 2013