How to Check Your Credit

By: Jennifer Boston

Whatever your financial goals are, it’s important to know your credit score!

You should never pay to learn about your own financial information. Although these sites require you to input personal information such as a social security number and past addresses, but you should never be asked for a credit card number.

You can access your entire credit report from each of the three credit bureaus (Experian, Equifax, and Transunion) at annualcreditreport.com. Because this site only allows you free access to each report once a year, it makes sense to only view one at a time so that you can go back in a few months and check for any changes. Annualcreditreport.com gives you access to your entire detailed credit report, but it does not give you your credit score for free.

To find out your credit score first check with your bank or credit card company, many include credit information in their online portals or on printed monthly statements.

Another option for getting your credit score is creditkarma.com. You can register for a free lifetime account and check your credit score free anytime on this site. There is also a credit karma mobile app that makes it easy to keep track of your credit score. This site includes a simple break down of what is impacting your credit but be cautious, it suggests credit cards you may be eligible for, but you do not need to sign up for these.

It is worth mentioning that freecreditreport.com is NOT free as the name suggests.

Annualcreditreport.com

Creditkarma.com

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