How to Obtain Free Credit Rating Scores

Your credit worthiness needn't be a mystery to you --- and thanks to the Fair Credit Reporting Act, it is your right as a consumer to have access to the important information on your credit report. Your credit report won't show your actual score unless you pay for it, but you can obtain the information that determines your score for free annually.

Instructions

1

Go to annualcreditreport.com to order your free report online. You'll be asked for your name, Social Security number, address and possibly past addresses. Once you've provided your information, your report will be available instantly to view online.

2

Call 877-322-8228 if you are uncomfortable ordering your report online. You will need the same information listed above.

3

Order your report by mail by filling out the Annual Credit Report Request Form listed in "Resources" and mailing it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.