How to Find Free Credit Scores

Overview

A credit score calculates your financial and lending history. Scores are based, in part, on outstanding debt and whether you pay your bills on time. You can access free tools to determine your score, and getting your credit report will give you the information needed to estimate your score as accurately as possible.

Step 1

Go to AnnualCreditReport.com. This is a website developed by the three credit agencies for consumers to request a credit report. You will be charged a fee if you go to any one of the individual agencies.

Step 2

Call 877-322-8228 or write to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281 to request an Annual Credit Report Request Form if you do not have access to a computer or printer.

Step 3

Fill out the request form. You will need to provide your name, address, social security number and birth date. If you moved within the past two years, you will need to provide your previous address as well.

Step 4

Use a credit score simulator to estimate your score. This is the closest you’ll get to obtaining your score for free. MyFico.com and Bankrate.com offer a free, anonymous tool for calculating your score.

Tips and Warnings

  • You do not need to order your credit report to use a credit-score simulator. The more accurate the information you provide, the closer your estimate will be to your actual score.

    TransUnion and Equifax will sell you your FICO credit score.

    MyFico.com will provide your score from these same agencies, including monthly updates (good for victims of identity theft), for $9.95 per month with a three-month minimum.

  • The Federal Trade Commission reports, “Other websites that claim to offer ‘free credit reports,’ ‘free credit scores,’ or ‘free credit monitoring’ are not part of the legally mandated free annual credit report program,” at AnnualCreditReport.com.