Where to Get a FICO Score

Your credit score is an important number to know. This is a mathematical expression derived from a statistical examination of your credit history. It signifies your creditworthiness. A credit score is mostly based on your credit report details. Fair Isaac Corporation created the FICO credit score. Lenders who employ risk-based system of lending use it. The three major credit-reporting companies create a similar version of the FICO credit score.

Instructions

1

Understand your rights. The FCRA, Fair Credit Reporting Act, passed as an amendment in 2003 requiring all credit reporting agencies supply a free report each twelve months when asked for. This includes TransUnion, Experian and Equifax. These three agencies created a mutual company, Central Source LLC, to supervise their fulfillment of the amendment. The reports do not include a credit score, but it can be added to it for a charge.

2

Register and supply fundamental information to get your free report and FICO score.You have to register with the website and supply your name, address and social security number. You will then be redirected to a website for the report you want from one of the three credit reporting agencies. You must correctly answer a few security questions to verify your identity. Once you have done this, you will be able to access your report.

3

Request your FICO credit score. You will able to request your score at the time you request the credit report from the website. You will have to supply payment for it, before you will be able to get it. You will have the option to print your report and score for your records.

4

Keep an eye on your FICO credit score. This process can be repeated for each credit-reporting agency at once or spread out over time. A good way to keep track of your credit report and score is to request a report from one agency every four months. This way you will always be able to get a free report and only be charged a nominal fee for your credit score.