Are credit scores included in the free annual credit reports from each of the three credit bureaus?
No, you can purchase credit risk scores from a variety of sources, but they are not part of the free reports. To get your free credit reports go to www.annualcreditreport.com. Is there a standard scoring range for determining a person’s credit worthiness? Not any more. At one time the FICO score, which is generated by Fair Isaacs Corp., was the industry standard. But that has changed, and there are now a number of scoring models that use different ranges. For example, on one model a score of 700 may be excellent and on another it may be only average or slightly below. Other models may consider the best score to be a low score. The important thing is that you know the range of the model being used so that you get a clear picture of your score. The only time you are entitled to a free credit risk score is if you are turned down for a mortgage loan, you will then be provide with the information on which the decision was based. Otherwise, if you want your credit risk score, you will have t
