How to Get Your 3 Free Credit Scores

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Although you may think that your credit score is some far away number that you would never be able to obtain, the fact of the matter is that the government actually provides you with 3 free credit scores per year. You will get to check your score at three different credit bureaus during the year, and there is no reason to ever pay for these scores in the future. Many people actually spread out these scores over the course of the year to make sure that they can get an update on their credit more than once during the year. It would not make much sense to get all three credit scores at once because then you would not be able to check it again for free later in the year. There are only a few steps that you have to take to get your 3 free credit scores, so take a look at what kind of action you should take today.

Where Can You Find Your 3 Free Credit Scores?

You’ve probably noticed lots of Free Credit Score promotions advertised on T.V and print lately. While thesee credit reporting sites are usually not free, they generally offer additional credit monitoring services as well as credit score reporting.  In most cases you can get your score for free from these offers, but you may be required to sign up for their other services, which may not necessarily be a bad thing, if you determine their offers are right for your situation.  AnnualCreditReport.com is the website that was actually set up by the government, and it is the only website where you will be able to get your credit score for free. It will take a few minutes to type in all of your information and get your score, but you can definitely get a completely free credit report from any of the three major credit bureaus on that website. If you simply want a credit score estimate, then you may want to look into another website.

What if I Just Want a Credit Score Estimate?

If you are not trying to get a full report on your credit and just want a quick peak at an estimated score, then you may want to take a look at Credit Karma. Credit Karma is a website where you can track your credit score and see what kind of impact recent events have had on your score. You will only be doing a soft credit check when you use Credit Karma, so you do not need to worry about checking your score too often. You can actually check your score multiple times every day without causing any harm to your credit prospects. This is a great solution for someone who is just learning about credit because they also offer deals on credit cards that match up with your estimated credit score. If you are a young person who would like to get started in the world of credit cards and loans, then you should definitely look into this website as soon as possible. You are never too young to start building credit, and there are plenty of resources around the web that will be able to help you make the right decisions.