Check Credit Score

What To Do to Get Credit Score
Despite some misconceptions, requesting a credit score is not free. If you approach a service or any of the top three credit reporting agencies (CRAs), Equifax, Experian, or TransUnion, you will have to pay a fee for the credit score. Since the scores from each of the CRAs will be different, then you face three fees: one from each.

When you plan to apply for financing or renegotiate your current rates, knowing your credit score from each of the top three CRAs is advised prior to contacting the financial institution. However, if you've already applied then you can request from the institution to release the scores. This can be done regardless whether you've been accepted or not (if never hurts to ask), at it should be at no cost.

Also, you are entitled to receive a free credit report (not score) from each of the CRAs for free once each year. It is more important to keep track of your credit history by requesting a report so that you can correct errors and address credit issues. Understand that the credit score is derived from the credit report. Also, your credit history in each of the CRAs will be different requiring you to approach all three CRAs for their free report.

It is best to request your score or report directly with the CRA, rather than through an intermediary or third party or service, to avoid errors. It is not uncommon for report requests through a service to create issues in getting the report free if the service fails to deliver. Also, when contacting the CRA, request getting the report online to avoid delays and lost reports in-transit.

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