Does your credit card come with a free credit score?
Lenders use credit scores to make decisions like whether to approve a mortgage at a certain rate or issue you a credit card. Some companies offer free credit scores to customers.
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The basics of credit reports and scores
Learn how to get your credit reports
You should check your credit reports at least once a year to make sure there are no errors that could keep you from getting credit or the best available terms on a loan. Read more
What to look for in your credit reports
Once you request your credit reports, it’s important to know what kind of information you should be on the lookout for as you review them. Read more
Learn about the difference between credit scores and credit reports
Your credit reports and credit scores are both critical to your financial health, but they play very different roles. Read more
Understand your situation
Take action
Submit a complaint
If you are having an issue with credit reporting or scores, you can submit a complaint to the CFPB. We’ll work to get you a response from the company.
Note: You should also submit a dispute directly to both the credit reporting company who sent you the report and the company that provided the information.
Learn more about credit reports and scores
Looking for more information? We can help you address many other questions you may have about credit reports and scores.