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im 24 years old and have never check my credit score. whats the best way/sites to check my credit score? its my senior year at my university, and up to this point i have paid for everything with my own money. i have a stable part time job thats brings me 20k a year and has help me pay for all my stuff including the 5k a semester for college. I am trying to improve my credit score since its seems im far behind. my gf has had credit cards paid in good standing and a house purchased already in her name before she was 22 ( her parents are paying for the house). my questions are….

1) how do i check my credit score (best websites) and what is it that im looking for as far as number wise

2) ive read here in the Q&A’s, that the best way to improve credit score is to take out a credit card. whats the perferred company?

3) 2 years ago i had my insurance pay for a clinic bill, but months later recieved a bill from the health clinic for additional charges. i never got around paying for it since i was trying to fix the issue of my insurance paying the full. would that affect my credit score or show up in the report?

-thanks for helping a lost guy

3 Thoughts on help me understand credit score?
  1. Reply
    October 28, 2011 at 3:17 am

    Below is a link to a reputable site that will allow you to check your score for $ 1. You should check your score first to determine if there are any problems. Non paymment of the health clinic bill may have some negative impacy, if it was ever reported. But you need to check first.

  2. Reply
    October 28, 2011 at 3:52 am

    If you have never had any loans or credit cards, you don’t have a score.

    Much more important than a score is your actual credit report. You can access your free annual credit report from each of the three credit bureaus online thru This is the only site that won’t require you to sign up for monitoring services. Reports are free, scores are not.

    Do not bother to get a score from the Experian or TransUnion sites. They use Vantage scores (different scale). Creditors use FICO scores. Never pay anything for non-FICO scores. The Equifax site uses FICO. You can also get FICO scores for TransUnion and Equifax at Consumers can no longer get FICO scores for Experian. Third party monitoring services use Fakko scores. and both offer free score estimators. They are not FICO but close enough if you are just curious about your score.

    If you failed to pay that medical bill, it probably does show as a negative on your credit report. Negotiate a pay for delete agreement (you pay and they remove the item) with the collection agency, if you can. Get any settlement agreement in writing before you pay and do not give the collector direct access to your bank account.

  3. Reply
    Hoa N
    October 28, 2011 at 4:24 am

    These two sites let you have your Credit Score for FREE, no charge:

    free Credit Report:

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