But instead of disclosing the score as a customer service, most sites will make you pay for it. And while they have your attention, they'll try to sell you a raft of other pricey, credit-related stuff. ELoan also gives you detailed advice on how to raise your score. You can get a free E-Loan score only once, so you might save it for something important. The company is considering whether to provide more frequent access.
Scores are only online.
You can't write or call. Lenders use credit scores to judge how creditworthy you are. You're marked on a scale that typically runs from 300 to 850. The scale is constructed from information in millions of credit reports. Computer programs analyze such things as the size of the revolving balances, how often payments are made on time, how old the accounts are and how many bank cards each individual has.