Security experts say that while sharing a credit score or related grade alone is not directly harmful, it can make you vulnerable to scam artists looking for easy targets.
Unless there's a permissible purpose, most people cannot see your credit history. The general public — including family, friends and other people — can't just request a copy of your report from a credit bureau.
The short answer is no. Legally speaking, a person or organization can check your credit only under certain circumstances. Someone either needs to have what's called “permissible purpose” or have your permission and cooperation in the process for the credit check to be considered legal.
While your next employer may take a look at your credit history, unlike lenders, they cannot see your credit score (or your credit account numbers). This is one of the most common myths about credit scores.
Unless you're posting pictures of your credit reports on social media, your credit information shouldn't be available to the public. It won't show up as a search engine result, and your loved ones can't request it, regardless of your relationship.
Is 750 a good credit score? A 750 credit score is considered excellent and above the average score in America. Your credit score helps lenders decide if you qualify for products like credit cards and loans, and your interest rate. A score of 750 puts you in a strong position.
Once downloaded, it's best to save it in a password-protected file on your device. If you print your report, you should keep it in a secure location. You should always carefully consider with whom you share your credit report in order to protect your personal information.
No, not just anyone can look at your credit report. To access your report, an organization must have what's called "permissible purpose."
The average FICO credit score in the US is 717, according to the latest FICO data. The average VantageScore is 701 as of January 2024.
Depending on where you live, it's possible for bad credit to disqualify you from getting certain jobs. In some states, your credit can be the sole reason for the rejection, or a single contributing factor among many. Some employers may weigh your credit history more heavily for certain positions.
It gives the bad guys a good idea who to target," says Liz Weston, author of "Your Credit Score." Along with other pieces of information shared over social media, a fraudster could piece together enough details to hack into accounts or send you a fake email from a financial services provider requesting more information ...
There are some differences around how the various data elements on a credit report factor into the score calculations. Although credit scoring models vary, generally, credit scores from 660 to 724 are considered good; 725 to 759 are considered very good; and 760 and up are considered excellent.
It's good to know your partner's credit score — and even more important to know their complete credit history, especially if you're in a long-term relationship or a committed relationship.
Your family and friends can't request access to your credit report – regardless of their relationship to you. It shouldn't be available to the general public and it won't show up as a search engine result, even if you have a unique name.
The credit report access keys on the license are your name, address, and date of birth, all of which are essentially public information. The driver's license number itself is not relevant, since the credit bureaus don't use that as an identifier.
Because your credit report contains private information, those who want to view it must have a reason that falls under the FCRA's “permissible purposes,” regardless of whether they're pulling a hard credit check or a soft one.
You can verify this is the official site by visiting the CFPB's website. Don't be fooled by look-alike sites. You can be sure that you are on the right site if you type www.AnnualCreditReport.com in your browser address line. Don't come to this site by clicking on a link in another site or in an email.
When you request a copy of your credit report, you will see a list of anyone who has requested your credit report within the past year, including lenders, credit card companies, or landlords who have requested your report.
A 700 credit score is considered a good score on the most common credit score range, which runs from 300 to 850. How does your score compare with others? You're within the good credit score range, which runs from 690 to 719.
What is the highest credit score possible? To start off: No, it's not possible to have a 900 credit score in the United States. In some countries that use other models, like Canada, people could have a score of 900. The current scoring models in the U.S. have a maximum of 850.
According to security experts, sharing just your three-digit Credit Score doesn't pose a very big risk as long as you're making it a point not to share personally identifying information from your credit report along with it.
Your score falls in the range of scores, from 800 to 850, that is considered Exceptional. Your FICO® Score and is well above the average credit score. Consumers with scores in this range may expect easy approvals when applying for new credit. 21% of all consumers have FICO® Scores in the Exceptional range.
About 70% of all mortgages are conventional loans, making it the most common type of mortgage. A FICO score of 620 or better is typically required for a conventional loan and, if your score is 760 or higher, you should qualify for the best interest rates.
Making on-time payments to creditors, keeping your credit utilization low, having a long credit history, maintaining a good mix of credit types, and occasionally applying for new credit lines are the factors that can get you into the 800 credit score club.