exitmortgages.com Your Credit Report - If you were wondering how to obtain your credit report, you can pull your own credit online with Equifax or TransUnion for a small fee. You may also obtain this for free once a year but it will not give you a beacon score. Beacon scores range from 300 to 900. 750 and above are considered high and 620 and below are low scores. To improve your low beacon score try to pay your bills on time and try to avoid maxing out your credit cards.