How Do I Check My Credit Score?

Credit Information

February 23, 2021

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Your credit score can have an impact on your ability to buy a car, lease an apartment, apply for a credit card or take out a loan of any kind. So before setting off to tackle any of these big life decisions, it’s important to know what your credit score is. We’re here to help make checking your credit score simple.

What is a credit score?

The quick definition of a credit score is this: It’s an overall rating of how likely you are to pay back a loan. The number can range from 300 to 850 and is impacted by your bill paying history and current debt situation. For more information on what a credit score is and how it works, check out our other blog posts.

How can I check my credit score?

There’s no shortage of apps or tools that offer to check your credit score. The most important thing to remember is to use a trustworthy one. Make sure the service you use has a good reputation and a good history of data security.

Many banks also offer credit score monitoring, so check with your financial institution to see if that’s something you can take advantage of.

Important things to remember when checking your credit score:

  • Make sure the service you use doesn’t do “hard pulls” of your credit score. Too many hard pulls can actually reduce your score.
  • Don’t obsess about every little fluctuation. Your score can go up and down when you make (or miss) a credit card payment or pay a bill late, just to name a few situations.
  • Talking and thinking about credit scores might seem daunting, but the good news is that improving your score is possible. If your score is lower than you want it to be, we’ve got some tips to help you raise it.

At World Finance, we believe everyone should have the chance to get a loan, even if you don’t have perfect credit, or any credit for that matter. If you need a loan and are worried about your credit score, please visit or call your local branch. We specialize in finding the right loan that works for you and your situation.