CHECK YOUR CREDIT SCORE FOR $1

IMPORTANT INFORMATION:
When you order your $1 Credit Report & Score, you will begin your 7-day trial membership in Experian Credit Tracker^SM. If you don't cancel your membership within the 7-day trial period**, you will be billed $17.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.

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Do you know your credit score facts?

You can compare your credit score to others in your city and across the United States. Check out www.LiveCreditSmart.com to compare credit scores across the nation and learn from Experian how you can live credit smart.

Credit scores are not part of a credit report and there isn't just one score. Because credit reports don't rate your history, lenders use many different scoring models with different scoring ranges to help guide their decision to grant you credit and how to price it. When you review a score, don't focus on the number, but where you fall in the range of risk and what factors in your history most influenced the score. Those will be consistent no matter which scoring model is used.

Closing unused accounts can hurt your credit scores. While never missing a payment is the most important factor in having good credit, having a low balance-to-limit ratio is also important. If you close unused cards, you eliminate those open credit limits from your ratio, possibly making you "charged to the max" on your remaining cards.

A short sale may get you out of your mortgage, but doesn't get you out of the loan without consequences. Selling your home for less than the loan amount is typically reported as a "settled" account, meaning that you did not pay as agreed. That can be as negative to your credit history as a foreclosure, but for many homeowners is the best way to get out of a bad situation.

Credit 101

• Credit Education
• Credit Education
• Report Basics
• Score Basics
• Ways to Improve Your Score
• Preventing Credit Fraud

• Credit Reports
• Credit Monitoring
• Check Your Credit Report
• Check Your Credit Score
• Credit History and Score
• 3 Bureau Online Credit Report^SM
• Identity Theft Protection
• Share My Credit Report

• Credit Disputes and Advice
• How to Request a Dispute
• Credit Advice
• About Checking Your Report
• Report Advice
• Credit Videos

• FAQs
• Consumer Credit
• Credit Facts
• Credit Fraud
• Report FAQs
• Score FAQs

** The credit monitoring benefit may only be available for 5 days during your trial period since enrollment can take up to 48 hours. You may cancel your trial membership any time during your first 7 days without charge.