Credit Score?

View your credit file based on any of the UK credit reference agencies, or all three at once
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As far as pulling your own scores, it's not counted as an inquiry when you pull your score. One of the best things that you can do before applying for a mortgage is to each pull your scores from all 3 credit bureaus and make sure that everything that is reported is accurate. You can get a free credit report once a year from each of the 3 credit bureaus from www.annualcreditreport.com so it doesn't even have to cost you anything. They will offer to sell you scores, though. If you decide to buy scores - make sure that you are buying a FICO score, not a Vantage score - Vantage is a new credit scoring system that very few lenders use.

Examine the reports carefully and make sure that everything is accurate. Because the dispute process for inaccuracies takes 30 days or so, you should start this process 30 - 60 days before you plan to apply for a loan, if possible.

For more information on credit scoring, www.myfico.com is a good source.

Credit Score?

Your credit score is a number based upon your credit report. As you grow in life you will find that it is one of the most important number affecting life and finances. The higher the credit score, the better it is. A higher score can help you find loans with low interest rates and quick turnaround times for approval. The more you understand your credit score and the factors that affect your credit score the easier it will be for you to keep your financial health in order. The following 5 critical factors affect your credit score in a major way. By knowing these you can keep a check on them and make your credit score a healthy one.

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Credit Score?

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