Don't be fooled. Don't be fooled by look-alikes. About AnnualCreditReport. More than a score. There's more to the game than a score. What affects your credit score? Not like the others.

One of these things is not like the others. Request your free credit reports. Spot identity theft early. Your credit reports matter. Credit reports may affect your mortgage rates, credit card approvals, apartment requests, or even your job application. Reviewing credit reports helps you catch signs of identity theft early.

FREE Credit Reports. Federal law allows you to: Get a free copy of your credit report every 12 months from each credit reporting company. FICO's industry-specific credit scores have a different range — to However, the middle categories have the same groupings and a "good" industry-specific FICO ® Score is still to VantageScore's first two credit scoring models had ranges of to The two newest VantageScore credit scores VantageScore 3.

For the latest models, VantageScore defines to as its good range. To increase your odds of approval and qualify for a lower-rate mortgage, you should aim to have a credit score in the good range.

That's a FICO score of or higher. The minimum credit score needed to buy a house can range from to , but will ultimately depend on the type of mortgage loan you're applying for and your lender.

Most lenders require a minimum credit score of to buy a house with a conventional mortgage. Other types of mortgages have different credit score requirements :. Remember that your credit score plays a role in determining the interest rate and payment terms on a mortgage loan.

Lenders base the interest they charge on how risky they view you as a borrower. So while it may be possible to get a mortgage with bad credit , you're typically better off improving your score before you apply for a mortgage to qualify for good terms. While there isn't a set minimum credit score to buy a car , you should aim to have a score of or higher, which puts you in the good credit range.

You'll qualify for better auto loan terms with a higher credit score. Auto lenders view low credit as a sign of risk, so an applicant with poor or fair credit will pay more in interest to borrow a car loan. If your FICO ® Score is below , aim to build credit before you buy a car.

Reaching the "good" credit score range may help you qualify for lower interest and better terms. Common factors can affect all your credit scores , and these are often split into five categories:. FICO and VantageScore take different approaches to explaining the relative importance of the categories.

FICO uses percentages to represent generally how important each category is, though the exact percentage breakdown used to determine your credit score will depend on your unique credit report. FICO considers scoring factors in the following order:.

VantageScore lists the factors by how influential they generally are in determining a credit score, but this will also depend on your unique credit report. VantageScore considers factors in the following order:.

Credit scores are a tool that lenders use to make lending decisions. FICO and VantageScore create different credit scoring models for lenders, and both companies periodically release new versions of their credit scores models—similar to how other software companies may offer new operating systems.

The latest versions might incorporate technological advances or changes in consumer behavior, or better comply with recent regulatory requirements. For example, VantageScore creates a tri-bureau scoring model, meaning the same model can evaluate your credit report from any of the three major consumer credit bureaus Experian, TransUnion and Equifax.

The first version VantageScore 1. The latest version, VantageScore 4. It was the first generic credit score to incorporate trended data—in other words, how consumers manage their accounts over time. FICO is an older company, and it was one of the first to create credit scoring models based on consumer credit reports.

It creates different versions of its scoring models to be used with each credit bureau's data, although recent versions share a common name, such as FICO ® Score 8.

There are two commonly used types of consumer FICO ® Scores:. FICO industry-specific scores are built on top of a base FICO ® Score, and FICO periodically releases new suites of scores.

The FICO ® Score 10 Suite , for instance, was announced in early It includes a base FICO ® Score 10, a FICO ® Score 10 T which includes trended data and new industry-specific scores. Mortgage lenders who work with government-backed mortgage companies Fannie Mae and Freddie Mac will be required to use FICO 10 T and VantageScore 4.

There are scores used more rarely as well. For instance, FICO's UltraFICO ® Score allows consumers to link checking, savings or money market accounts and considers banking activity. Lenders may also create custom credit scoring models designed with their target customers in mind.

For the most part, lenders can choose which model they want to use. In fact, some lenders might decide to stick with older versions because of the investment that could be involved with switching. You also often won't know which credit report and score a lender will use before you submit an application.

The good news is all the consumer FICO and VantageScore credit scores rely on the same underlying information—data from one of your credit reports—to determine your credit scores. They also all aim to make the same prediction—the likelihood that a person will become 90 days past due on a bill either in general or a specific type within the next 24 months.

As a result, the same factors can impact all your credit scores. If you monitor multiple credit scores, you could find that your scores vary depending on the scoring model and which one of your credit reports it analyzes.

But, over time, you may see they all tend to rise and fall together. Having good credit can make achieving your financial goals easier.

If you are a person who is blind or print disabled, call , give personal information to verify your identity, give additional information to certify that you're visually impaired according to the Americans with Disabilities Act, then pick the format you want.

If you are a person who is deaf or hard of hearing, call to access your local TDD service, then refer the Relay Operator to AnnualCreditReport. You have options: order your free reports at the same time, or stagger your requests throughout the year.

Some financial advisors say staggering your requests during a month period may be a good way to keep an eye on the accuracy and completeness of the information in your reports.

Because each nationwide credit bureau gets its information from different sources, the information in your report from one credit bureau may not be the same as the information in your reports from the other two credit bureaus.

But before you pay for a report, always check to see if you can get a copy for free from AnnualCreditReport. To buy a copy of your report, contact the nationwide credit bureaus:. Federal law says who can get your credit report. A current or prospective employer can get a copy of your credit report — but only if you agree to it in writing.

Other sites pretend to be associated with AnnualCreditReport. com or claim to offer free credit reports, free credit scores, or free credit monitoring. They might even have URLs that misspell — on purpose — AnnualCreditReport.

If you visit one of these imposter sites, you might wind up on other sites that want to sell you something or collect — and then sell or misuse — your personal information.

com and the credit bureaus will not email you asking for your Social Security number or account information. If you get an email, see a pop-up ad, or get a phone call from someone claiming to be from AnnualCreditReport.

If you see a scam, fraud, or bad business practices, tell the FTC at ReportFraud. Your report can help protect others from fraud. CFG: Translation Menu Español CFG: Secondary Menu Report Fraud Read Consumer Alerts Get Consumer Alerts Visit ftc.

Breadcrumb Home Articles Vea esta página en español. About Credit Reports How To Get Your Free Annual Credit Reports What To Expect When You Order Your Credit Reports How To Monitor Your Credit Reports Who Can Get Copies of Your Credit Reports Avoid Other Sites Offering Free Credit Reports Report Scams.

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