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oscarrubio234

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i would like to know what my credit score is

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There is no single "credit score" number

You can get a free copy of your credit report - not your score - from each of the three main reporting agencies by going to annualcreditreport.com. You can get this information once per year. It will contain all accounts and other pertinent information, but it won't give your score. If you are turned down for a loan, you can get a copy of your report from the appropriate agency, in addition to the annual free report. Note again that this will give you your credit history, but not a single number "score."

There is really not such thing as a single "credit score." The actual algorithms for each credit tracking agency (transunion, equifax, and experian) are not published, and each agency has a different method. Also, some accounts appear on one agency's report, but not on all three, so the variables in that agency's score will be different even if the algorithm (method of determining) for the score, thereby making the "Score" different.

Lastly, there are different categories for each type of loan. Your "score" for an apartment might be different than your "score" for a car. Overall, your best method would be to use the CreditKarma "score" as a guideline, and track its CHANGE, not its actual level. While the actual "score" number might be different from CK as opposed to some other lender's or service provider's score (car dealer or insurance company, for example), if your CK score is going up, it is a good bet that the score from said lender is also going up. In other words, watch the trend of the score on CK to follow your improving credit.

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