Credit scores are a critical factor in your financial life. Using a complex algorithm, credit bureaus establish credit scores that creditors use to determine the likelihood you will repay your debts after borrowing money. Information in your credit report is used to determine your score. By law, you may view a free copy of your credit report from each of the three major credit-reporting agencies each year. However, the law does not include the right to view your credit score at no charge.
The Fair Credit Reporting Act
The Fair Credit Reporting Act states that consumers are allowed one free credit report per year from each of the three major credit-reporting bureaus: Experian, TransUnion and Equifax. In addition, credit bureaus are obligated to remove information from your credit report that is inaccurate or false. Removing derogatory information from your credit report can improve your credit score. Once your credit report is updated after a dispute, you receive a copy of your credit report at no cost. However, your credit score is not included with this information. The Fair Credit Reporting Act protects the information in your credit report, but does not give you the right to view your credit score.
Viewing Your Score for Free
Several options exist that allow you to view your credit score at no cost to you. For example, when you shop for a car or mortgage loan, lenders access your credit score. You can request to view your credit score to assess whether or not you are receiving a fair interest rate. Mortgage lenders do not always use credit scores from all three credit bureaus. Find out which credit bureaus the lender uses so that you know where your score originated. If you want a copy of your score for your records, request that the lender print out a copy of your credit score for your review.
Free Credit Score Resources
Most credit score resources require a paid subscription. However, some websites display your score at no charge to you. For example, CreditKarma and Quizzle allow you not only to view your credit score, but also to monitor your score over time. Sign up for a free credit score monitoring service that does not require a credit card. Any website that asks for your credit card may require a fee after a trial period. Read the fine print to determine whether you will be billed or charged for a membership with the website.
Considerations
Viewing your credit score is not a right, but it can be achieved for free. To confirm you are getting an accurate picture of your credit rating, purchase a credit score from one or more of the three major bureaus for comparison purposes. If you receive different results, you can cancel your free account without penalty. Credit scores are updated monthly, which means that even if you view your score today, it may not be accurate in a few weeks when creditors report new information about your credit accounts.
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