Tech on Tuesday: Checking Your Credit Score

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Your credit score plays a big role when you want to make a major purchase, such as buying a house or car.

Reviewing your credit report from time to time can help ensure it is in good working order when you want to make a major purchase or apply for a new credit.

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But where should you go to check your credit report?

In this week’s Tech on Tuesday, we share the best apps for checking your credit.

This is how your credit score works: Everyone has a FICO score, which is basically your credit rating number. That number can range from 300 to 850. A number of things can affect your FICO score, such as applying for credit, paying bills late, and how much of your total credit you use.

Looking at your credit score will NOT affect your creditworthiness.

There are three major US credit bureaus that will give you a FICO score: Experian, TransUnion, and Equifax.

Experian

with the experian app lets you view your FICO scores from all three major credit bureaus. It can also help you increase your FICO score by using utility bills you already pay to apply to your credit and your new credit scores will take effect immediately.

Experian also monitors identity theft and scans dark web pages daily to see if your information has been stolen.

Experian allows you to test its services with a 30-day free trial. After that, they will charge you $20 per month. The Experian app is available for: iOS and android.

Credit Karma

Credit Karma is a free tool that you can use to check your credit score as often as you want. With Credit Karma, you can access your credit scores from TransUnion and Equifax, but not from Experian.

Credit Karma sends you weekly updates and alerts you when there is a change in your credit score. It also gives you information about credit factors that affect your score.

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Mint is another free service for checking your credit score. Mint helps you figure out where your credit score is lacking and where it is doing well. Mint shows information about your on-time payments, credit usage and average age of credit on one screen. In addition, all your personal data is encrypted.

Once you’ve verified your identity, Mint will send you credit monitoring alerts if your score goes up or down.

Equifax

Equifax is working on a three-year plan to regain public trust after the company suffered one of its worst data breaches in 2017. If you’re confident, Equifax offers similar services to its competitors. It shows you your FICO scores from all three major credit bureaus and checks your credit and social security numbers for suspicious activity. Equifax will send you alerts if it detects suspicious activity.

You can try Equifax with a $5 30-day trial. Once your trial period ends, the price goes up to $10 per month.

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