There are many places to get your score at no cost. These scores do not represent the actual scores that lenders and banks use.

FICO scores are the primary scores used by most lenders and banks.

CLUB 700 - DO YOU WANT TO SCORE?

To become a member of Club 700 is simple. All you will need is a commitment to financial change. Regardless of your current score right now, you can join our membership. Our goal is to provide you with the information to build your credit score. You will not need your exact score to join our membership. However it will be important for you to know your correct score to begin the building process.

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Payment/Credit History

The average consumer's oldest obligation is 14 years old, indicating that he or she has been managing credit for some time. In fact, we found that 1 out of 4 consumers had credit histories of 20 years or longer. Only 1 in 20 consumers had credit histories shorter than 2 years.

Utilization

About 40% of credit card holders carry a balance of less than $1,000. About 15% are far less conservative in their use of credit cards and have total card balances in excess of $10,000.

Balances/Performance

On average, today's consumers are paying their bills on time. Less than half of all consumers have ever been reported as 30 or more days late on a payment. Only 3 out of 10 have ever been 60 or more days overdue on any credit obligation.

Number of Credit Obligations

On average, today's consumer has a total of 13 credit obligations on record at a credit bureau. These include credit cards (such as department store charge cards, gas cards, or bank cards) and installment loans (auto loans, mortgage loans, student loans, etc.).