How can I get my credit score for free and without lowering it?


You can't get your credit score for free, but you seeing your score will not lower it. Under the Fair and Accurate Credit Transactions Act of 2003 the three major CRCs in the US - Equifax, Experian and TransUnion, are now demanded to provide customers with one free copy of your credit report per twelve months.

You could request and get your credit score report from each of them all at once, or one every four months to keep track how your payments are doing. Bear in mind that the FICO score is not listed on the report, so you can get your credit score upon request from the bureaus. Also, you will have to pay for it. As they use different FICO-based algorithms and different data files to produce a FICO score, the bureaus will often report differing credit scores.

It is not recommended to turn to unofficial websites offering your credit score for free. Often they will get you hooked and soon begin to charge your credit card on a monthly basis, or will collect and sell your personal data. When you get your credit score, you should be able to see all your debts and credit cards listed, as well as payments made. You will also know who has accessed and viewed your credit score and report.

Requesting your own credit score report should not hurt your credit rating.

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