How to check your credit score and credit report

By Product Expert | Posted in Credit, Finance on Saturday, February 3rd, 2018 at 10:33 pm
man checking his credit score on his phone with a cup of coffee beside him

Where are the best websites to check your credit score for free? 

Navigating the world of credit and credit scores can be difficult. Most people don’t know their credit score and might be too afraid to check. Thanks to the incorrect information that checking your credit score can lower it, plenty of people choose instead to remain without information on something that plays a huge part of their finances. Checking your credit score and credit report should be done with some regularity. However, when you’re checking your credit for the first time, you might not be sure of where to go to find the information.  

There are numerous advertisements that promote free credit score checks. While your credit score might be free, you might be asked to sign up for services that will lead to a fee after a free trial period is over. If you’re using sites like this, be cautious to ensure that you aren’t inadvertently paying for your free credit score. You might also be able to get your credit score from your credit card provider. However, checking your credit score is just one aspect of learning about your finances. You’ll also need to check your credit report to make sure that there haven’t been any mistakes or stray charges.  

[Related: How to fix having a bad credit score]

Checking your Credit Report for free 

Man working on a lap top on a desk near windows

You are able to check your credit report once every year for free. Your credit report is the information that is used to formulate your credit score so you won’t see the three-digit number, only the items that go into to making it. There are three different credit reporting agencies, Equifax, Experian and TransUnion, and you can access your reports from all three by visiting www.annualcreditreport.com. While there are other places that may advertise having your credit report, this is the only site that will allow you to pull your three credit reports as part of the federal mandate.  

Though you can only check your credit report once a year, you can and should keep up with your credit score throughout the year. While the credit report is a hard inquiry, when you’re checking your score, you won’t see a dip in your overall credit rating. If you’re looking to purchase a vehicle, but you aren’t sure what your credit score is, you can apply for pre-approval online at OkCarz. This way, you’ll be able to see your credit score and how much you would be approved for at the dealership. Using the online tool doesn’t affect your credit and help you find financing options for the car of your dreams.  

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