How to Obtain a Credit Score By Phone

How to Obtain a Credit Score By Phone
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Credit scores are important for buying a house, buying a car, obtaining credit cards, renting an apartment or even getting a job. A low credit score gives the impression of poor financial decisions while a high credit score gives the impression of good financial decision-making skills and abilities. Credit scores can be obtained at any time. Common ways of obtaining credit scores are over the Internet at credit report websites, through the bank or over the phone.

Find out which company credit score is necessary. There are three credit scoring companies: Equifax, Experian and TransUnion. Depending on the reason for the credit score, the company might change. For example, a bank looking at a credit score for a home loan might look at the Experian score while a car financing loan might look at Equifax instead.

Call the company phone number. Equifax is 1-800-685-1111. Experian is 1-866-200-6020. TransUnion is 1-800-888-4213.

Speak to a representative and request a credit score. The representative will need a full name for identification and a Social Security number. She might ask for other identification information as well to verify an identity. She should give the score over the phone when requested.

Pay the fees. The price for a credit score and report can range from $14.95 to $34.95 depending on the company.