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Home » Documents » Credit » Finding out my Credit Score?

How do I find out what my credit score is?

Your credit score is only as good as what is in your credit report. By making sure that only your accurate credit history appears on your report, you ensure that the credit score it generates isn't lowered by inaccurate information. Review your credit reports from all three credit bureaus regularly as well as several months before applying for a loan.

In 2003, the U.S. Congress enacted provisions under the Fair and Accurate Credit Transactions Act (FACTA) that allow consumers to obtain a free credit report every twelve months from each of the three credit bureaus. If you do not already have a copy of your credit report, you can access it online at www.annualcreditreport.com.

You should be aware of many other companies that promise to provide a free credit report often end up charging you a fee or requiring you to subscribe to their services in order to obtain the report. Please note that www.annualcreditreport.com is the only official website that provides this service at absolutely no cost to you. If you do not have computer access or would prefer to use alternative methods to obtain your report, you can do so by calling toll-free, 1-877-322-8228, or by mailing an Annual Credit Report Request Form to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA
30348-5281
www.annualcreditreport.com

The form can be downloaded from www.annualcreditreport.com or from the Federal Trade Commission’s Web site (www.ftc.gov) which provides a wealth of helpful information for consumers. You can also call the FTC’s Consumer Response Center at 1-877-FTC-HELP (4357) to download the form.

You can also request your credit reports directly from the big-three credit bureaus. The contact information is listed below:

Equifax
P.O. Box 740241
Atlanta, GA 30374
800-685-1111
www.equifax.com

Experian
P.O. Box 2104
Allen, TX 75013-2104
888-397-3742
www.experian.com

TransUnion
2 Baldwin Place
P.O. Box 1000
Chester, PA 19022
800-888-4213
www.transunion.com