Here’s How to Get Your Credit Report and Credit Score

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Whether you are trying to improve your credit score, want to know your credit score so that you can apply for a loan, or want to monitor your overall credit report because you are concerned about identity theft, there are many tools you can use.

It is a good idea to check your overall credit report regularly because doing so will help you monitor your account in case something unusual pops up, and that way you can dispute any errors quickly. In addition, you will want to check your report regularly because it includes information about your credit history, including lenders, and sometimes, regular bills. It also includes your private information (name, address, Social Security Number, credit cards, information about how often you pay your bills on time, and so on.)

People sometimes get a credit report confused with a credit score, which is a number based on your credit report. Errors in your credit report will directly affect your credit score, so you need to be vigilant about monitoring your credit report. The Fair Credit Reporting Act (FCRA) requires Equifax, Experian, and TransUnion (credit reporting agencies) to provide you with a free copy of your credit report once per year.

This means that if you plan carefully, you can receive a free credit report every four months. is the central website that the three companies use for you to request your score. This is their website, and it is very important to go directly through this website – it the only website that is authorized to give free annual credit reports (as far as the law entitles you).

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