How to Order Your FICO Credit Score?

It pays to know your score and to inspect your report periodically. Checking your credit score provides a way to explore ways to improve your credit score to save you money paid in interest. When you get your score, you'll also get an explanation of your score and ways you can improve it. At myFico.com, you also gain access to a feature that lets you create hypothetical situations, such as paying off a particular debt or paying credit card bills on time, etc., and see how such actions will affect your score.

You can order your FICO Score from the following service:

		Monitor your FICO Score
		Get your Credit Score from CreditReport.com

Three bureau credit scores

If you'll apply for a mortgage within the next six months, you'd better check the scores from all three credit bureaus. Since not all lenders report your payment history to the same bureaus, your credit scores may be different at each other. You can check your credit score at the three national credit bureaus (TransUnion, Equifax and Experian) by ordering a report at .

The Credit Score Range

Lenders know that statistically people with scores of 800 and above comprise 11% of the population. Their delinquency rate is 1%. Out of 100,000 people this means only 110 of them will experience delinquent payments.

Compare to the lowest score, or the 300-499 range. Only 1% of the population falls into this category! So it looks like much less of a total risk for the lender, right? Not when you consider that 87% of people in this category will have late payments—do the math and it makes 870 people. If you were a lender, you would want to steer clear of poor credit scores. If you had to make loans or extend credit into this category, you would probably try to make up for your losses by charging high interest rates—which is exactly what happens in the real world.