How do I check my credit score?

There are a few ways you can check your credit score:

  • Purchase a credit score directly from a national credit reporting agency (CRA) or other provider;
  • Consult your financial institution or credit card lender to determine if they offer a credit score; or
  • Use a credit score service.

If you want to obtain your credit report, here are two important things you should know:

  • Federal law requires each of the three nationwide credit reporting agencies (CRAs) - Equifax, Experian and TransUnion – to give you a free credit report every 12 months if you ask for it; and
  • You can request a free copy of your credit report by visiting