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

FAQs

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

You can start by going to the three major credit bureaus, Equifax, Experian, and TransUnion first by logging on to AnnualCreditReport.com to check your report for free. Each agency gives you access to your report once every 12 months. 4 You'll have to pay them if you want your credit score.

You can start by going to the three major credit bureaus, Equifax, Experian, and TransUnion first by logging on to AnnualCreditReport.com to check your report for free. Each agency gives you access to your report once every 12 months. 4 You'll have to pay them if you want your credit score.

Don't be fooled by look-alikes.

Lots of sites promise credit reports for free. AnnualCreditReport.com is the only official site explicitly directed by Federal law to provide them.

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 have the right to request one free copy of your credit report each year from each of the three major consumer reporting companies (Equifax, Experian and TransUnion) by visiting AnnualCreditReport.com. You may also be able to view free reports more frequently online.

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.

One of the best ways to access your FICO® credit score for free is through Discover Credit Scorecard. This program is free whether you are a Discover customer or not. To get started, you'll be asked for some personal information, including your Social Security number.

FICO, Experian, and Equifax all provide information on individuals' credit habits for the use of lenders. FICO provides just a numerical credit score, based on an individual's payment habits and the amount of debt that they carry. Credit bureaus like Experian and Equifax offer detailed credit histories on individuals.

Which company gives best credit score? ›

TransUnion CIBIL

Its range of 5000 members include all major banks, financial institutions, Housing Finance Companies (HFCs) and NBFCs. TransUnion CIBIL maintains one of the largest consumer credit information and generates CIBIL score that helps in measuring the creditworthiness of its consumers.

FICO scores are used by over 90% of top lenders and offer a variety of different types of scores.

Revolving credit is the most common type of consumer credit.

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.

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.

Use a credit score service or free credit scoring site.

You're entitled to a free copy of your credit reports every 12 months from each of the three nationwide credit bureaus by visiting www.annualcreditreport.com.

They may differ by 20 to 25 points, and in some cases even more. When Credit Karma users see their credit score details, they are viewing a VantageScore, not the FICO score that the majority of lenders use. A VantageScore has the same credit score range as FICO, and uses some of the same information as a FICO score.

Neither your TransUnion or Equifax score is more or less accurate than the other. They're just calculated from slightly differing sources. Your Equifax credit score is likely lower due to reporting differences. Nonetheless, a “fair” score from TransUnion is typically “fair” across the board.