Right now, you get a free look just once, so save it for something important. Trans Union says it will give out scores, starting this summer, to people who order credit reports. The report may tell you how to raise your score by a few more points, but that wouldn't make any difference to your life. You're already being offered credit on the very best terms. Credit scores generally range from 300 to 850.
Every lender has different cutoff points, for what's acceptable.
The best and fastest ways are to pay any delinquent bills and lower your total credit-card debt. Debt reduction should start with the cards where you're closest to your credit limit. And make sure to make all future payments on time. Some of the other quick fixes that people try usually don't work, says Tom Quinn, Fair, Isaac's director of consumer initiatives. The models looks at how you use the credit you've got, rather than the amount you have available.