How to Look at a Credit Score for Free

There are many times when a person needs to know their credit score. They may be interested in purchasing a car or a home. The first question a finance officer is going to ask is "How is your credit?" If you don't know what your credit score is, you can't give them an accurate answer. You may also want to take a look at your credit score to make sure no one has falsely used your identity. Read on to learn how to look at a credit score for free.

Things You'll Need

• Computer with Internet
• Phone

Instructions

1. Turn your computer on and hook up to the Internet. Go to Annual Credit Report website where you can get one free credit report with score per year. You want to use this site verses other sites because this site gives you your credit report from three major companies instead of just one. Those companies are Equifax, TransUnion and Experian.

2. Choose your state and click "Request report."

3. Provide all of your personal information and click "Continue." This site is VeriSign secured so you don't have to be nervous about inputting your personal information. The company has also been around for a long time and has an excellent reputation.

4. Review your credit report and total score from all three companies instantly. Use the following to understand your credit score: 750 to 800 is excellent, 660 to 749 is good, 620 to 659 is fair, 359 to 619 is poor.

5. Get your credit score by phone or mail if you are uneasy about giving your personal info on the Internet. The credit score and report will still be free, but it will take 15 days before you get the reports.

Tips & Warnings

• If you want to contact Equifax directly call [phone].

• If you want to contact Experian directly call [phone].

• If you want to contact TransUnion directly [phone].

• Do not make more than one inquiry in to your credit score per year or it will actually bring your credit score down.

Resources

• Annual Credit Report website