Question by Paxis: What determines a credit rating and what is the best score?
Also, where can I view my credit rating?
Best answer:
Answer by bdancer222
Your tallied is a complicated formula based on what shows on your credit account. You can get your free annual credit report from each of the three credit bureaus at AnnualCreditReport.com. Reports are free, scores are not.Creditors use FICO (scale 300 to 850) scores and it is a waste of money to buy any non-FICO score. The only set consumers can get real FICO hit is MyFico.com. Monitoring servcies use Fakko scores and even the three ascribe bureaus now sell consumers non-FICO scores which are a different scale and formula.CreditKarma.com offers a loosed score estimator based on your TransUnion credit report. It is not FICO but within 50 points or so. Good enough if you are just curious.By the way, if you have never had a credit card or loan, you have no credit history and your score would be .
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