Florida Credit Scores – Available for FREE
What is my credit score?
Credit history and credit score reports are used by businesses and individuals to determine your overall viability in the financial market. Credit score ratings determine an applicant’s request to open a credit line, and credit reporting is also one of the best ways to check for and prevent identity theft situations that can wreak havoc on your financial life.
How to Check Credit Scores in Florida
You can order a credit history report a few ways. In Florida, the most common way is to buy online credit reports. Within the credit score estimator industry, there are two different products to choose from: VantageScore credit reports and FICO scores.
FICO scores are administered by the FICO software company, a staple in the financial industry for decades. Checking credit scores with FICO requires you to visit the company’s website to purchase a credit check. Additionally, FICO offers instant credit reports as well as detailed credit bureau reports.
Yet this is considered an expensive to most consumer.
VantageScore remains the cheaper and equally informative option. By using a compilation of scores from all of the major credit report companies, VantageScore is a credit score calculator that generates an average credit score based on all your prior financial history. VantageScore can be obtained by Floridians for free through a variety of companies such as the credit score monitoring service Quizzle.
Companies like Quizzle also offer extensive service options for protecting your credit accounts from identity theft, and can even help with improving credit scores. As credit score checks are such an important part of any financial undertaking, it’s recommended that you continue to monitor your account and learn the best way to get credit reports regularly.
What is a good credit score?
The best credit reports are dependent on the overall credit history of the individual. A credit score is a number on the credit score scale ranging from 300 to 850. The number is estimated based on a few factors, including:
- Overall amount of debt owed
- Length of time and types of accounts on a credit report
- History of debt payments
- Length of credit history
- Number of recent credit score checks
Who Needs a Free Credit Check?Most residents of Florida will need to obtain reports at some point in their lives. Whether it’s getting a student loan or simply getting a cellphone, Floridians need to know how to check credit reports. The most common reasons for needing to know your credit score include:
- Opening a credit card
- Purchasing a car
- Obtaining a loan to open a business
- Renting an apartment or buying a house
- Obtaining car
- Getting health insurance
- Signing up for a cell phone plan
- Installing cable and Internet
- Getting household utilities
How to Raise Credit ScoresThe effort to clean up credit reports can take some time. However, it is also necessary if you want to make any future significant purchases. To improve credit scores over time, start by hiring a reputable credit score monitoring service. Companies like Quizzle have established means of observing credit accounts, monitoring your credit score, and reporting new findings to you regularly. Other professional services offered by Quizzle include:
- Credit score analysis
- Reports on how your current activities are affecting your credit
- Monthly credit reports
- Monthly credit sores
- 24/7 credit monitoring
- A credit timeline, complete with key events
- Credit report comparisons
- Identity theft protection