Knowing what’s in your credit report and understanding where you fall within the credit score range is an important component of financial capability.
The Fair Credit Reporting Act ensures each consumer gets free access to their credit report from all three major credit bureaus once every 12 months. To access your credit report, visit www.AnnualCreditReport.com, however, a credit score is not included in the requested FCRA credit report. To get your credit score from the credit bureaus you will need to pay a fee.
How to get free credit scores
Many financial institutions and credit card companies are now offering access to a credit score and your FICO credit score. Inquire with your bank, credit union, or credit card company for this added member benefit.
We’ve reviewed the following credit report tools that offer consumers free credit scores. These are free services and require no credit card input to access your free credit score. To get your free credit score, choose an app in our marketplace, enter your personal information to verify your identity and quickly review your credit report and see a credit score.
These credit scores may vary from one service to another and can differ from the scores used by creditors. The free credit score should help you gain a better understanding of where you fall within credit score range.