I'm getting ready to assess where I am at credit-wise and then doing what I can to bring my score up.
I'm eligible for free credit reports once a year in ky, and I'm going to be pulling those soon. I'd also like to get a look at my fico number, and I know that there is some debate on which is the best, but I'm asking anyway- What is the best most accurate and affordable way to get my credit score, I'm not looking to track it at this time - just to see where it is to see what my options will be to open a line of credit and see how far down the hole I am.
My score got tanked a few years ago as I got cards as a college student and then got unemployed and irresponsible. Ended up doing a charge off on two of the cards. Those are probably going to stay on until they fall off, but right now I get denied for credit cards, and I want to try to find a way to get at least one open that I can use monthly for my gas to try to add some positive history to my credit reports.