A credit score is a numerical representation of a person's creditworthiness, based on their credit history and financial behavior. It ranges from 300 to 850, with higher scores indicating lower credit risk. Monitoring your credit score regularly can help you track your financial progress and identify any potential issues or discrepancies.
To quickly check your credit score, you can use free online services such as Credit Karma, WalletHub, or Credit Sesame. These platforms provide you with access to your credit score and credit report, allowing you to monitor any changes and identify areas for improvement. It's important to note that checking your credit score through these services will not negatively impact your credit score.
In addition to monitoring your credit score, it's also recommended to review your credit report regularly to ensure there are no errors or fraudulent activity. You are entitled to one free credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) every 12 months through AnnualCreditReport.com. By staying vigilant and proactive in monitoring your credit, you can better protect your financial health and overall wellbeing.
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