While this is a bit more complicated than many of your other options, it may be a good bet if you’re concerned about your credit or trying to make a major financial decision. government agency for protecting consumers in the financial sector Go to source Plus, they can review your credit report with you and give you advice on how to improve your score. X Trustworthy Source US Consumer Financial Protection Bureau U.S. Non-profit credit counselors can look up your credit score for you. Work with a non-profit credit counselor to find out your score. These are the scores that auto lenders are most likely to look at. For instance, if you’re trying to get a car loan, ask for a FICO Auto Score 8, 5, or 2. You can request different types of FICO scores depending on your needs.FICO gets its data from the 3 main credit reporting agencies (CRAs), Transunion, Equifax, and Experian.government agency for protecting consumers in the financial sector Go to source X Trustworthy Source Consumer Reports Nonprofit organization dedicated to consumer advocacy and product testing Go to source Visit to buy a copy of your score. However, if it’s really important that you see the exact scores that most lenders are looking at, consider purchasing a score from Fair Isaac Corporation (FICO). With so many ways to get your credit score for free, there’s usually no need to shell out any money. If you’re not sure whether your bank or credit card company offers credit score information, call customer service and ask them.īuy your score directly through FICO to get the score most lenders see.For instance, your VantageScore is affected by low balance collections (under $100), while FICO excludes them. Both scores are created using information from the 3 main credit reporting agencies, but there are slight differences in the way they calculate your score. Your bank might give you your FICO score or your VantageScore.Some banks and credit unions may also offer this service, even if you don’t have a loan or credit card with them.You might find information about how to access your credit score there, or your score might be printed right on your statement. If you have a loan or credit card, check your latest statement or log onto your account online. Different sites might use different scoring methods (such as FICO, VantageScore, or some less common scoring system), so read the terms of service carefully or ask a customer service agent if you have questions about how your score was calculated.Ĭheck through your bank or credit card company.You might get stuck with a surprise monthly fee after your free trial ends! X Trustworthy Source US Consumer Financial Protection Bureau U.S. Read the fine print and be cautious about using sites that ask you to provide your credit card information.Compare the services they offer to figure out which one works best for you, or sign up for more than one service to get the most complete possible picture of your credit for free. Check out sites like WalletHub, Mint, LendingTree, and Quizzle. If you’re not crazy about Credit Karma, Credit Sesame, or, there are lots of other options out there. Explore other free websites to find one that meets your needs.
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