Checked My FICO Score For Free At Equifax
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Ever since I started learning more about personal finance, I always wondered what my credit score was. I check my credit report a few times a year for free but I never felt that paying to know my FICO score was worth it.
Two days ago as I was reading the posts of others in the personal finance blogging community, I came across a post at My Money Blog. Apparently, Equifax was offering free FICO scores to the first 10,000 responders. I already checked my credit report through Equifax, so I had an account with them already. Without hesitation, I jumped on the offer and had my FICO score shown to me shortly afterwords. Equifax gave me a score of 728, which mean I had “VERY GOOD” credit. Although it was considered very good, I only scored higher than 51% of U.S. consumers. This isn’t a bad score for a 21-year-old college senior.
My first credit card was opened in January, which means I have a short revolving account history. I also have around $7000 of debt from student loans that were opened 3 years ago.
I follow many of the practices for maintaining good credit. I strive to pay more than just the minimum but I usually pay off the total balance on the credit card. I’ve never used over 30% of my total credit limit.
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[...] how I got it may be a good example for those entering and those already in college. Last year, my FICO score was 728, which isn’t bad, and a recent checkup on my credit report showed that my credit was squeaky [...]