Do you know your credit score? No? Ok, go check. Wait! Do you know the safest free way to check your credit score? Sure, just google credit score, NO!
Well, yes that might work, but there is no guarantee that it will be free and safe. OK, how about that place that I heard on the radio free credit score check dot com? No!
You may be thinking that you don’t need to know what your credit score is. After all, your plan is to not use credit cards or loans. But your credit score does still matter.
Insurance companies run credit checks when you obtain or renew your insurance. Why? Their answer, studies have shown that a person’s credit or financial history is a good indicator of insurance claims.
A potential employer may review your credit report before hiring you for a job.
Safe Ways to Check Your Credit
There are a few ways to check your credit score and get your credit report.
You actually have more than one credit score. Credit scores are based on the information in your credit reports. If the information about you in the credit reports of the three large consumer credit reporting agencies is different, your credit score from each of the companies will be different.
How to check your credit score for free.
- Check your credit card or loan statement. Many companies have started to include your credit score on your monthly statement or find it by looking at your account information online.
- Reach out to non-profit credit counselors and HUD-approved housing counselors often they can provide you with a free credit report and score.
- Quizzle.com – free Experian credit report and credit score twice a year.
- CreditKarma.com – free Equifax and TransUnion credit score anytime.
- CreditSesame.com – free credit score and monitoring
How do you get a free credit report?
Order online from Annual Credit Report www.annualcreditreport.com. By law, you are allowed to get one free copy of all three credit reports every 12 months from each of the national consumer credit reporting agencies, Equifax, Experian, and, TransUnion. These reports do not include credit scores.
Another way to receive a free credit report is to meet certain requirements.
- Unemployed and intend to apply for employment within 60 days;
- Receiving public welfare assistance
- Persons who believe their consumer file contains inaccurate information due to fraud
- Persons who have been the subject of an adverse action, such as denial of credit or insurance, within the past 60 days.