How to Get My Credit Score

The three major credit bureaus--Equifax, Experian, and TransUnion--are required by federal law to supply you with one free copy of your credit report each year if you request it. It is a good idea to review your credit report yearly to make certain that there is no erroneous information on your report and to make certain that less-than-flattering credit information is removed or modified when appropriate. Getting your actual credit score is easy, too--and free--as long as you follow certain necessary steps.

Instructions

1

Contact Annual Credit Report online to get all three of your credit reports for free from one source. See the Resources section below for the address. You can request your free credit reports online, order your reports by phone or ask for them through the mail.

2

Sign up for a free email account at a site such as yahoo.com or hotmail.com, an account that you don't intend to be a primary account.

3

Go to Credit Karma and click on the button that says Get Your Free Credit Score. Click on the Credit Karma link in the References section below.

4

Fill out the first page of the simple form to join Credit Karma. Use your free email address; this way if you are spammed with ads later the spam will not fill your primary email account.

5

Confirm your email address. Credit Karma will send an email to the address you provided. Open this email and click on the confirmation link. This will take you to the second and final sign-up page. You will need to include your address, phone number and social security number. These pieces of information are required for Credit Karma to retrieve your score from the credit bureaus. Click the final link--Get Your Free Credit Score--and follow directions to get your score almost immediately.