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WebJan 31, 2024 · 1. Check your 3-digit score to determine if your credit is poor, fair, or good. Your credit score is a 3-digit number between 300 and 850. The higher your score, the better your credit. Look at your score and see if it falls into one of the following ranges: [17] 300-579: Scores in this range are considered poor. WebUnder federal law you are entitled to a copy of your credit report annually from all three credit reporting agencies - Experian, Equifax ® and TransUnion ® - once every 12 … WebSome experts recommend that you get a single credit report at a time, staggering them every four months or so, so that you see your credit files throughout the year. Under this scenario, you might retrieve your Equifax report in January, get your Experian report four months later in May, and then secure your TransUnion report in another four ... kaiser appointments northern california