A true credit score currently can range anywhere from 0 to 800. Someone that has recently declared bankruptcy, for example, would have a score close to 0 while an international banker with connections to the major world governments might have a score close to 800.
You can get your true credit score by going on a website. You can also ask your bank accountant for your credit score. Usually a low number is better than a high one.
You can get your true credit score from any of the three credit companies, Equifax, Transunion and Experian. Any of these three will give you a free credit score once a year. You're entitled by law to it.
You have three credit scores you need to take into consideration to get your average "true score". You can request a free credit report online to get instant access to your information.
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The true formula for a credit score is a highly guarded secret. Therefore, you can't figure it; you have to pay someone to tell you what it is.
If you get a derogatory report off your credit, your score should improve 30-60 days.
There are many places online where one can check their credit score. One such place is on the TrueCredit website which can provide you with a free credit report through TransUnion.
30 to 45 days
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paying off bad credit will take about 60 days to have an effect on your credit score. But, if you don't have any credit cards you will never have a good credit score because no one is giving you credit.
More often than not, potential creditors look at your FICO score. Other companies offer `credit scores' that use varying algorithms to determine your `score', but they may vary widely from your true FICO score.
A misconception is that if a person views his or her credit score, it may go down. That is not true. The reality is, the score can be affected if other company make excessive requests for a person's credit information.