Anytime you apply for new credit, the lender pulls your credit report and uses your credit score to help determine whether to offer you credit and what interest rate you will have. The main credit score lenders use is called a FICO score and it ranges from 300 to 850. You actually have three FICO scores because each of the three major credit bureaus calculates the score separately based on the information it has on your credit report. You can obtain your credit scores from a number of sources, most of which will charge you a small fee.
Instructions
- 1
Go to the Annual Credit Report and get your free credit report from each of the credit bureaus. After receiving each report, you will have the option to purchase your credit score from the credit bureau. The Annual Credit Report website is the only authorized source of free credit reports, but it does not provide free credit scores as well.
2Navigate to the FICO website and choose from one of the many options for purchasing your FICO credit score from one or more of the credit bureaus. If you would like, purchase your credit score in a package that also includes features such as monitoring your score constantly and sending you a notification whenever it changes or sending you your score and credit report every three months. FICO sometimes has promotions that allow you to sign up for a free trial of one of these services and view your score, but you will be billed for the service if you do not cancel before the free trial ends.
3Visit the website of one of the three major credit reporting agencies, Experian, Equifax and TransUnion. Each website offers its own pricing and services, and they occasionally offer free trials of the services so you can get your credit score for free and then cancel the service before the trial period is over. Some of the credit agencies also offer their own credit scores that are different from the FICO credit scores that most lenders use, so confirm that you are ordering the type of score you would like to get.
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