On line free credit report Eugene

A median score usually falls on line free credit report Eugene in the 720-to-725 range, meaning half of consumers fall above that point, half below. Even if you haven't given your FICO score much thought, there are plenty of others who have or will, so you'll want to aim for the mid-700s to make the best impression on: 1.

Lenders. This group is the one most people associate with their credit score. Having a good rating can help you qualify for the best rates on a mortgage, car loan, credit card and even a small business loan if you've got that entrepreneurial spirit. free credit report sites A nonexistent score can make it impossible for you to qualify for a loan or credit card at all.More from MSN Money and Kiplinger

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2. Insurers. The majority of auto insurance companies use your credit score when determining your rates, and the practice is on line free credit report Eugene also common among home insurers. request a free credit report A survey by Consumer Reports among eight popular auto insurers found that drivers with top scores pay up to 31% less on their premiums than if credit scoring wasn't factored in, while those with bad scores pay as much as 143% more. Landlords. Increasingly, you may need a good credit score to rent an apartment. Landlords view your credit rating as a measure of your on line free credit report Eugene responsibility to pay bills on time.

If your rating is below par or you don't have a credit score yet, you may have to find a friend or relative to co-sign your lease, or you on line free credit report Eugene could be required to pay a higher rent or security deposit.Video on MSN Money Improving your credit score Trying to increase your credit score? free credit check

Here are the 3 best ways to improve a credit score, says Stacy Johnson of Money Talks.4.