As related in an earlier Curtis Money blog post, a credit score is a numeric snapshot of your credit risk picture at a particular point in time. It is calculated using data from your credit files.
A higher credit score can save you money on loans by qualifying you for lower interest rates.
(As a higher credit score represents a lower risk to the lender.)
You can get your credit score from one (or all 3) of the major credit reporting agencies:
I got instant access to all 3 scores by signing up for a free trial of Equifax’s Complete Advantage Plan (which is a credit monitoring service):
The cost for this subscription is (at the time of this writing) $16.95 per month but if you cancel during the 30 day trial period, you don’t have to pay anything and of course you still have your credit scores.
(these aren't really my scores)
How to Cancel (and avoid paying)
Unfortunately, Equifax will not allow you to cancel by email. You have to call them.
Well before my free 30-day trial period ended, I called Equifax’s customer support number (866-243-8181) and told them I wanted to cancel my subscription.
The customer support person tried her best to keep me from canceling, throwing advantage after advantage of this wonderful service at me.
But I stayed firm and told her that I really only wanted my credit scores.
My subscription was finally cancelled and my credit card was not charged.
NOTE: Once you cancel your subscription, you will no longer have free access to your credit scores.
“When I was young I thought that money was the most important thing in life; now that I am old I know that it is.”
― Oscar Wilde