To check your credit score, you have several convenient options:
- Use free credit score services online: Websites like Experian and Credit Karma offer free access to your credit score. For example, Experian provides a free credit score and report, helping you understand how lenders view you and what affects your score
. Similarly, Credit Karma offers free VantageScore 3.0 credit scores from Equifax and TransUnion without requiring a credit card
- Check through your bank or credit card provider: Many major credit card companies and banks provide free credit scores to their customers, either on your monthly statements or accessible online through your account
- Request your credit reports: While credit reports from the three nationwide credit bureaus (Experian, Equifax, and TransUnion) typically do not include credit scores, you are entitled to a free copy of your credit reports once every 12 months at AnnualCreditReport.com. Reviewing your credit report helps you verify the accuracy of your credit information, which influences your score
- Use credit score services or purchase scores: You can also buy your FICO score or subscribe to credit monitoring services that include credit scores, but be aware of potential fees and subscription terms
In summary, the easiest and most cost-effective way is to sign up for free services like Experian or Credit Karma, or check your credit score through your bank or credit card provider’s online platform
