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Credit reports and scores

Where can I get my credit score?

Unlike your credit report, which you can get at no cost to you, you usually have to pay for your credit score. There are certain instances in which you are entitled to your credit score for free, for example if you are denied a loan on the basis of your credit score.

The CFPB recently published a report on the differences between the credit scores available to consumers and those to lenders.  If the information about you in the credit reports of the three large consumer reporting agencies is different, your credit score from each of the agencies will be different.

It is more important to get and review your credit report, which you can do at no cost to you at www.AnnualCreditReport.com, than to buy your credit score. The information in your credit report influences your credit score. Even if you do buy your credit score, it is likely that the score the lender buys will be different from the score that you buy. If you decide to purchase your credit score, you are not required to purchase credit protection, identity theft monitoring or other services that may be offered at the same time.

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