Where can I get my credit scores? | Consumer Financial Protection Bureau (2024)

FAQs

Where can I get my credit scores? | Consumer Financial Protection Bureau? ›

The major credit bureaus allow you to check your credit report every week for free through annualcreditreport.com. Sign up for the Credit Check-up project organized by Consumer Reports and Work Money and then tell us about any problems you found so we can hold the credit bureaus accountable!

The major credit bureaus allow you to check your credit report every week for free through annualcreditreport.com. Sign up for the Credit Check-up project organized by Consumer Reports and Work Money and then tell us about any problems you found so we can hold the credit bureaus accountable!

You can request annual credit reports for free from each of the 3 major reporting agencies—Experian, Equifax^® and TransUnion^®—online via www.annualcreditreport.com or by calling 1-877-322-8228.

Where do I get my free credit report? You can get your free credit report from Annual Credit Report. That is the only free place to get your report. You can get it online: AnnualCreditReport.com, or by phone: 1-877-322-8228.

You can check your FICO Score for free by accessing your credit report from one of the major credit bureaus (Equifax, Experian, or TransUnion) once per year. Some credit card issuers and financial institutions also offer their customers free access to FICO Scores.

The three nationwide credit bureaus — Equifax, Experian, and TransUnion — have a centralized website, toll-free telephone number, and mailing address so you can order your free annual reports in one place.

Check your credit card, financial institution or loan statement. Many credit card companies, banks and loan companies have started providing credit scores for their customers. It may be on your statement, or you can access it online by logging into your account.

AnnualCreditReport.com is the official site to get your free annual credit reports. This right is guaranteed by Federal law. You can verify this is the official site by visiting the CFPB's website. Don't be fooled by look-alike sites.

A soft credit inquiry, also called a soft credit check or soft pull, is usually done by you or another authorized person, like an employer. Soft credit inquiries don't affect your credit score because you're not actually applying for credit, and these types of inquiries don't necessarily require your permission.

The primary credit scoring models are FICO® and VantageScore®, and both are equally accurate. Although both are accurate, most lenders are looking at your FICO score when you apply for a loan.

Who are the top 3 consumer credit reporting agencies? ›

Equifax, Experian and TransUnion are the three nationwide credit bureaus.

Some common types of consumer credit are installment credit, non-installment credit, revolving credit, and open credit. Similarities of these types of credit are that they all have some form of a repayment period, interest rates, the possibility of interest charges, and monthly or lump sum payments.

The Consumers Credit Union mainly uses TransUnion for personal credit card approval. After approval, they will report your activity to the three major credit bureaus: Experian, TransUnion and Equifax. For business credit cards, Consumers Credit Union also uses TransUnion for approval.

A credit score is a three-digit number that measures your financial health and how well you manage credit and debt. FICO scores are a specific type of score that lenders can use when making borrowing decisions. The FICO credit scoring system is the most widely used credit score.

An investigative consumer report is akin to a detailed background check in which your character and reputation are assessed. This kind of report is not usually used to assess creditworthiness, but rather your viability as a potential employee or tenant. It is different from a credit report.

AnnualCreditReport.com is the official site to get your free annual credit reports. This right is guaranteed by Federal law. You can verify this is the official site by visiting the CFPB's website. Don't be fooled by look-alike sites.

To check your score, you first choose a credit bureau and request a credit report, which includes your personal details, Bank Verification Number (BVN), National Identity Number (NIN), and credit history. Reviewing this report for errors is important, as they can impact your score.