How do I get my actual credit score for free?

How to Obtain Your Free Credit Score

Access to accurate credit information is crucial for financial well-being. Fortunately, federal law provides consumers with the right to obtain one free credit report from each of the three major credit bureaus annually. To request your free credit report, you can follow the steps outlined below:

Via AnnualCreditReport.com

1. Visit the official website of AnnualCreditReport.com.
2. Click on the “Request Your Free Credit Report” button.
3. Follow the on-screen instructions to provide your personal information.
4. Select the credit bureau(s) from which you wish to receive your report.
5. Click on the “Request My Report” button for each bureau.

Via Phone

1. Call the toll-free number 877-322-8228.
2. Follow the automated instructions to request your free credit report.
3. Provide your Social Security Number and personal information.
4. Choose the credit bureau(s) from which you wish to receive your report.

Additional Information

• You are entitled to one free credit report from each bureau every 12 months.
• Requesting your free credit report will not negatively impact your credit score.
• AnnualCreditReport.com is the only government-authorized website for requesting free credit reports.
• While you can obtain your basic credit report for free, some credit bureaus may offer additional services or enhanced reports for a fee.

Obtaining your free credit report regularly is an essential step in monitoring your financial health. By reviewing your report, you can identify any errors or inaccuracies, protect against fraud, and stay informed about your financial status.