Tuesday, November 25, 2008

How to Check Your Credit Score in California

According to Mortgage Marvel, the average credit score in California is 755 as of 2011, which is 20 points higher than the overall national average. A good credit score can help you qualify for loans, get you better interest rates on those loans and is well worth maintaining. Your credit score anywhere in the U.S. -- including California -- is monitored by the three main credit bureaus, TransUnion, Equifax and Experian. You're entitled to a free copy of your credit report, but to see your score you must pay.

Instructions

    1

    Navigate to annualcreditreport.com. Other sites offer to let you access your credit report for free, but you end up having to establish a membership. Annual Credit Report is set up so the credit companies can comply with federal guidelines and provide consumers with a credit report each year.

    2

    Select California from the drop-down menu and hit "Request Report."

    3

    Fill out the form with your name, address and Social Security number. Include your address information for the past two years. Type out the numbers and letters in the security screening and hit "Continue."

    4

    Answer the identifying questions correctly to view your credit report.

    5

    View each report separately. While viewing the report, you'll be given the option to purchase your credit score. Use a credit card to pay the fee and view your credit score. Check each one so you have all the information about your credit score that anyone making inquiries could have.

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