4 Thoughts on what is my credit score if i’ve never missed my bills?
  1. Reply
    CatDad
    October 30, 2011 at 3:09 am

    Impossible to tell….paying all your bills on time is an important factor…but it’s not the only factor…so don’t assume you have perfect credit.

    The utilization of your credit is another big factor…which translates to what percentage of your available credit are you using. If you are close to max out levels then this can drag you down even if you pay on time.

    You can buy your score at MyFico.com or Equifax.com

  2. Reply
    overnightdeejay
    October 30, 2011 at 3:51 am

    why would your employer want your score??

    that’s none of anyone’s business but yours….

    some employers may want your credit history for security reasons, especially if you work in banking.. They certainly arent gonna let someone with a history of check fraud manage a bank, but, as for asking you your score, that is nobody’s business…

    If YOU want your score you can buy a merged report online from the bureaus, for $ 24.95… But, I certainly would not be sharing that information with an employer.

  3. Reply
    Jennifer B
    October 30, 2011 at 4:23 am

    If your employer has a legal permissable purpose to see your credit and/or score, then they will have the capability to pull your reports themselves; seems kind of odd to me.

    If YOU want to check your scores yourself, you may do so on a consumer reporting site, such as truecredit.com; keep in mind these are consumer scores and are not the same scores that a potential lender would see. If you want to see the same scores that a potential lender would see, you can contact any local mortgage company and purchase a tri-merge lending report from them; keep in mind the tri-merge mortgage reports will create a hard inquiry into your credit reports. Hard inquiries will remain on file with the bureaus for 2 years and having too many inquiries can lower your scores.

    Good luck!

  4. Reply
    Mia Jacob
    October 30, 2011 at 4:55 am

    Credit score is based on a lot of factors such as your payment history, the amount you currently owe lenders, the length of your credit history, the number of new credit accounts you’ve opened or applied for (fewer is better), the mix of credit accounts you have etc. So, ‘paying bills on time’ is not the only thing that affects your credit score.

    From http://www.annualcreditreport.com , you can get your free credit report, but not credit scores. Credit scores are available as an add-on feature of the report, for a nominal fee. This central site is the official one to request for a free credit file disclosure, commonly called a credit report, from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

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