3 Reasons Why You Need to Know Your Credit Scores

By now you know that you can access your credit report online once each year at no charge. And if you’ve tried it, you know that getting the credit scores to go along with the credit report does carry a fee. 

So why isn’t the report alone “good enough?”  

1. Because everyone from the mortgage lender to the apartment manager to the person you hope will hire you for a new position will judge you by your credit scores.
2. Because your scores could be negatively affected by some innocent credit mistake you’ve made, and if you don’t know there’s a problem you won’t know that you need to take steps to correct it.
3. Because knowing your scores will protect you from money lenders who might not be completely honest.

 

A few local companies that extend credit may consider everything on your credit report before deciding if they’ll lend to you and on what terms. The rest will simply look at your scores. 

So, if you plan to need credit for any reason, think you may want to rent an apartment or a house, or are looking for a new job, your credit score will probably pay a large role in your success or failure.  

If you wait until some third party accesses your credit you could be out of luck before you even get started.  

Remember, you can have a spotless credit record and still have low credit scores. They’re generally the result of innocent credit mistakes – such as consolidating all your credit card balances on one card in order to pay a lower interest rate.  

Reports issued by IDENTITY GUARD® through www.creditscorequick.com not only tell you your scores, but tell you why they’re lower than they might be, so you can make positive adjustments before you need to use your credit.  

Finally, much as we don’t like to think about it, there are some crooks out there. For instance, a small percentage of used car dealerships. Once they’re sure you’ve fallen in love with a car, they’ll pull your credit report, and then mislead you about your credit scores. Naturally, lower scores lead to higher interest rates. 

But if you know your credit scores, these shady dealers can’t lie to you.  

If you don’t know your credit scores, come to www.creditscorequick.com today. Choose one of the pre-screened credit report offers you’ll find there, and get your credit report with scores – online, and within minutes. If you don’t want credit monitoring, all you have to do is cancel and you’ll never be charged a dime.