Loan issuing authorities receive a large number of requests, and they take a final decision based upon many considerations. And when they are doing this, the lender will need to have information about your credit worthiness. Your credit score shows how credit worthy you are. So can I know my credit score - the answer to this is an emphatic 'yes'. It is crucial that you ask for this because you can be negatively affected of you are not doing so.

The credit history of a person is collected, analyzed and then the report is made by different bureaus in the US, and it is also forwarded to the lender. The Experian, TransUnion and Equifax are the most important of these credit bureaus. However these bureaus all work independently when calculating the credit score of a person. And because of this, you will find that the individual score may differ quite a bit. This is because different methods are adopted by the bureaus for credit score calculation.

Hence, asking to know my credit score is something you should always do before applying for a loan. But before you can access your score, you will need to know where to approach and how to go about doing it. Do please keep in mind that the credit scores are calculated by all the three credit bureaus. It is important that you check your record from time to time just to ensure that it is accurate.

Individuals can ask for their credit score from the bureaus. And the good news is, you can get information about your score absolutely free. You should ask for this report even if you have reasons to believe that it is accurate. The three bureaus all hold your score individually and you should know your record from them all. The bureaus also forward this data to the lenders when they are trying to find out how credit worthy you are. Lenders can, armed with this information accept or reject your loan proposal.

Hence, if your loan request is denied, you can know my credit score to find out what is in the record. However the fact remains that, this checking should always be made before you are placing that application. It is possible that there was a single default, after which your financial condition has improved but since your record may be held for up to even 7 years, the authorities might still hold this negatively. These are naturally error reports that will negatively affect you and so you have to bring it to their attention.

So do you want to know what your credit score and report is from all the 3 bureaus - http://www.3FreeCreditScoresOnline.com is where you can do so.