How to Find Your Credit Score

The question seems to come up pretty often, where do I find my credit score? It seems like it would be pretty easy but there are actually many places where you can get access to your scores. The thing is some places are much better than others. Here we'll talk about where you should and shouldn't order your credit scores from.

The Best Method

The 1st place I would recommend going to is the AnnualCreditReport website. Here's where you can get free copies of your credit reports once a year. I know, you asked where I can find my credit score, not my reports. Actually you can get them here too but it will cost you a few bucks. As you view your credit reports from each one of the bureaus you're given a choice to order your scores too. Each company sells them for 7 or 8 bucks while you're logged into this website. This is the cheapest way I've found to get your scores and reports.

Not So Good

Another place I've used when I wanted to find my credit rating was MyFico and the three credit bureaus. MyFico, Experian, TransUnion, and Equifax all sell your reports and scores. They are often sold together and cost between 14 and 17 bucks each. If you plan to use this method search around because at various times they may have different deals going on. While not the cheapest strategy these are trusted companies that won't fool about with your credit card information. I have also used them when I had already used up my once each year view from the site in the 1st example.

I Would Avoid This Method

I suspect nearly everybody's seen commercials for free credit history offers. I have heard some bad stories and I myself wouldn't utilise a service like this to find my credit history. Nearly all these free offers will require your credit card number, which does not sound extraordinarily free. Fundamentally they provide you access to your reports for a testing period. After the period expires they charge your card for extended access or credit monitoring services. It can be particularly hard to get them to stop charging your card and some are outright scams, you have been warned

These are the most typical methods to get your credit scores. I'd strongly recommend using one of the first two techniques. When I need to find my credit score I really like to be certain that I am ordering them from a reputable source.

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Tags: credit score | credit rating |




How to Find Your Credit Score