• CREDIT SCORES AND REPORTS

PA Check Credit Score

There is not just one reason to check your credit score in PA, as there are several different reasons that all have a great bearing on your life. So how do you check your credit score, and what does it really tell you about yourself?

Identity Theft Prevention

One of the main reasons today to get a PA credit score check is to aid in preventing identity theft from happening to you and causing great financial worries that can quickly lessen your credit score and cause problems in your life.

A lot of people don’t even fully understand what identity theft is, therefore make the mistake of ignoring its influence in their lives. Identity theft can occur easily if you are releasing information to an unreliable source, with personal information a common way of thieves taking your identity. When this occurs, you may find the following happening to you:

  • Open accounts you didn’t open
  • Credit inquiries you didn’t authorize
  • Credit cards and bank accounts you didn’t start
  • Loans in your name you never applied for or took out

What is Your Credit Score?

If you have ever applied for a mortgage, auto, or other type of loan, or even if you sought out auto financing or encountered another similar situation, you have heard the term “credit score” before. You may have heard that your credit score was great, good, fair, or even poor, and your decision was surely based on this score. Where does it come from?

  • Previous lines of credit
  • Current lines of credit
  • Satisfactory or poor payment records
  • Previous loans or accounts
  • Reports from companies dealing with your credit

The higher your credit score is, the better off you are as you seek out credit, loans, and other decisions that are made based on your personal credit.

How to Get Credit Score Online

Just because you are offered on online credit score check, it doesn’t mean that all sources are credible, or that you are going to get the same results from each provider. The main source of these credit score checks is going to be one or all of the three main credit reporting agencies:

  • Transunion
  • Experian
  • Equifax

Still, yet, there are other sources online that can provide you with your score, but just know that only these three sources are the most reliable, the most checked, and the best to go by if you want to see what creditors and companies see.

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