IMHO, knowing what’s in your credit report is far more important than knowing your credit score. A score is merely a snapshot, if you will, of the motion picture of your credit.

Use annualcreditreport.com to get your credit report from all 3 credit bureaus, free of charge, once every 12 months.

Use myfico.com to get your true FICO score. Virtually all other scores are FAKOs (not real). They aren’t useless, just not real.

To monitor your credit, use a 3 in 1 service. I prefer TrueCredit. It’s the cheapest one I’ve found. $11.21 a month (if you use the Walmart link below), and you can get a new report once every 24 hours from all 3 credit bureaus.

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Good Luck!

I go to myfico.com. You can get all three reports and your FICO score (which you don’t get for free) for about $47.00, and they even help you dispute erroneous information. You can get one free credit report per year, but you end up paying about the same for just a FICO score, so I personally prefer doing it that way. And myfico usually will knock 10% off for returning customers.

annual credit report is the only website that allows you to get your credit reports free with no strings attached such as signing up for products or services. It is a website endorsed but the government where you can obtain you report from all three of the major credit agencies.

Credit report and credit score are different things. Credit reports may contain detail information of your history but the score is just number.

Usually you can get from freecreditreport.com or myfico.com (which is better I think). They are not free but you can get it free if you cancel within first month. Most credit card companies also have that service but I usually avoid CC companies. You can also buy directly from any of three credit bureaus (Experian®, TransUnion and Equifax) .

Usually if you talk about credit score, it is FICO score (300 - 850) but note that some credit bureaus have their own score. Equifax sells FICO score about $15. I don’t know other two.

For report, visit annualcreditreport.com . Check your state ‘cuz in some state, you can get more reports per year.

Now by law each credit agency is supposed to supply you with a free credit report and you can use the agency of your choosing to get your credit score. You can have you copies email to you or mailed to you.

SPEAK TO THE HAND COS THE FACE DON’T WANNA KNOW SISTER!

its free, just put in your email