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Some companies want to charge you to access your credit score, or they want to charge you for credit monitoring. Don't waste your money - there are plenty of sources for getting free credit scores.
Here are four websites to check.
CreditKarma
Credit Karma will give you what is known as a Vantage Score. This can differ slightly from a FICO Score. Both methods of calculating credit are pulling data from basically the same set of factors, but they weigh it differently to determine your score. Here is a link to help better explain the difference: https://www.creditkarma.com/advice/i...score-vs-fico/ Sign up takes five minutes.
AnnualCreditReport
AnnualCreditReport.com will give you your credit report data from the three major credit reporting agencies. Transunion, Equifax, and Experian. The reports will show hard and soft pull data. You can look at your data once annually for free. Here is a link to help understand the difference between a hard and a soft credit pull: https://www.experian.com/blogs/ask-e...credit-report/ Sign up takes about 10 minutes. It won't give you the credit score per say, but its still useful to see how you're doing.
Discover Credit Scorecard
Discover will give you your Experian FICO score and credit report. You don’t have to be a Discover customer or have a Discover card to use this service. Sign up takes about 15 minutes.
LexisNexis Consumer Disclosure
Not a credit report, but more of a background check. Lenders, employers, and landlords will often use the data complied here to determine the risk of a potential candidate. Information concerning late payments on loans, evictions, and criminal records will often be stored here. However, the captcha can be quirky, so work on this one last.
Here are four websites to check.
CreditKarma
Credit Karma will give you what is known as a Vantage Score. This can differ slightly from a FICO Score. Both methods of calculating credit are pulling data from basically the same set of factors, but they weigh it differently to determine your score. Here is a link to help better explain the difference: https://www.creditkarma.com/advice/i...score-vs-fico/ Sign up takes five minutes.
AnnualCreditReport
AnnualCreditReport.com will give you your credit report data from the three major credit reporting agencies. Transunion, Equifax, and Experian. The reports will show hard and soft pull data. You can look at your data once annually for free. Here is a link to help understand the difference between a hard and a soft credit pull: https://www.experian.com/blogs/ask-e...credit-report/ Sign up takes about 10 minutes. It won't give you the credit score per say, but its still useful to see how you're doing.
Discover Credit Scorecard
Discover will give you your Experian FICO score and credit report. You don’t have to be a Discover customer or have a Discover card to use this service. Sign up takes about 15 minutes.
LexisNexis Consumer Disclosure
Not a credit report, but more of a background check. Lenders, employers, and landlords will often use the data complied here to determine the risk of a potential candidate. Information concerning late payments on loans, evictions, and criminal records will often be stored here. However, the captcha can be quirky, so work on this one last.
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