Free Online Credit Report - credit check monitoring, credit rating, credit scores

Please click on the section you wish to learn about.

Your PLUS Score is a user-friendly, consumer-focused credit score based on the information in your credit report. Your PLUS Score is calculated using a similar formula to those used by lenders, ranging from 330 to 830, with a higher score indicating lower credit risk.

Credit scoring helps potential lenders, landlords, and employers quickly gauge an applicant's credit history. Your PLUS Score is determined using many of the same factors considered by credit-scoring companies. The Score Analysis section of your PLUS Score report provides more details about the factors that affect your score. Typically, a higher score indicates a lower credit risk to lenders. Be aware, though, that there are many scoring models used in the marketplace. The type of score used, and its associated risk levels, may vary from lender to lender. The PLUS Score allows you to know where you stand regardless of which scoring model may be used to assess your credit.

Different Ways to View Your PLUS Score
Your PLUS Score is presented in three formats in order that you may better understand your credit history.

Three-digit Number
The most common way scores are viewed is numerically. Your PLUS Score is calculated as a three-digit number and uses a scale widely accepted by those in the lending industry, ranging from 330 to 830. Like most score models, the higher your PLUS Score value, the lower your credit risk.

Credit Category
These categories offer you an alternative way to understand how your credit scores in a “good” vs. “poor” perspective. Although each lender has different criteria on how they weigh different factors, you may likely receive the best loans and terms if you fall in the “good” or "excellent" category. This scale is to be used as an educational tool and is not a guarantee that you will be approved or turned down by lenders.

The Percentile Value
The percentile value is a way to see how your credit score compares to the rest of the U.S. population's. The percentile scale is calculated using a sample of more than one million credit reports from U.S. consumers. The higher your percentile ranking, the more likely you are to be seen as a favorable loan prospect by lenders.

15% of the US population is below 600

35% of the US population is below 670

50% of the US population is below 710

70% of the US population is below 755

90% of the US population is below 790

Your PLUS Score is calculated using information from your credit report on the day it is calculated. It is based on multiple factors similar to what lenders use. To better understand what factors negatively and positively affect your PLUS Score, please refer to the Score Analysis section of your PLUS Score report.

Factors Not Used
By law, factors that are NOT used in calculating your PLUS Score include age, sex, and race. These factors are excluded from credit scoring to eliminate bias and discrimination from the decision process.