How can you obtain a better credit score without much work?
BY PAYING YOUR BILLS ONTIME, KEEPING THE BALANCE UNDER 40% OF THE CREDIT LIMIT. The lower the debt to credit limit ratio, the better. I would try to stay under 25% of your credit limit.
Why isn't your credit score shown when you request a credit report and is there anyway to find your score without having to pay for it?
Answer Credit scores are calculations based on the information in your credit file. The score is derived from leased software. As such, there is no way for someone to obtain a credit score without cost. That cost is borne by the consumer or the lender, whichever one requests the score. In the past, there was no way for consumers to know this important number. A few years ago, the Fair Isaac Company (FICO) starting making…
Different countries have different credit agencies and organisations which lenders turn when assessing weather they should lend an individual money or not. To obtain your credit score you can contact your countries respective credit agency (e.g. Equifax, Experian and Transunion in the USA) and request your credit score, this should be free.