Free Credit Reports, Scores and Monitoring
Your credit report can affect your interest and insurance rates, as well as your ability to land a job or apartment, so it pays to make sure it’s accurate. Go to AnnualCreditReport.com to get a free copy of your credit report from each of the three credit bureaus once a year, no strings attached.
Several sites also offer free credit reports—as well as credit scores and monitoring. At Credit.com, you can see your Experian credit score, view your personalized “report card” that shows how you’re doing in five key credit areas and receive alerts when something changes on your report. Credit Karma offers weekly updated free credit scores and reports from Equifax and TransUnion and will monitor your reports daily and notify you of any significant changes. Credit Sesame offers a free credit score from TransUnion and free monitoring.
Also check with your bank or credit-card company—some provide FICO scores to their customers pro bono. Even if you don’t have a Discover card of your own, you can get your FICO score for free at www.discover.com/creditscorecard.
