FICO isn’t the only number used to determine your credit risk — the score that counts is the one your lender uses. There is no single credit score number — the compilers of the widely accepted FICO Credit Score allow lenders to customize their system, so different lenders produce different scores.

A credit score is either a blessing or a curse cast down upon you from the digital cloud. A score of 740 qualifies you for the best interest rate on a conventional mortgage. A score under 640 means ugly interest, and a number under 620 makes it very hard to get a mortgage at all.

Most people can get confused when it comes to checking their credit scores. Consumers wonder which credit score should they check, what’s the best credit score website and are credit scores really free? These questions are asked often, but rarely do people find the right answers.

With the newest version of the FICO credit scoring system, minor delinquencies are now overlooked in calculating creditworthiness.

Walmart’s Free Credit Score is making it easy for you to stay informed about your FICO Credit Score. Just register for online account management and enroll to receive electronic statements. Then, after you sign up to receive electronic statements, you’ll be able to sign up to get your free FICO Credit Score and see it each time you log into your account.