There are four main ways you can figure out your score:
- Check your credit card statement. A lot of credit card companies and some auto loan companies have started providing credit scores. It’s usually listed on your monthly statement or available in your online account.
- Talk to a non-profit credit counselor. These are trained specialists who can often give you a free credit report, walk you through it, and even help you come up with ways to improve your score.
- Use a credit report service. These are the “free credit score” services you’ve probably heard advertised. And some of them really are free. Others, however, require a credit card and charge you if you don’t cancel by a given date. So if you go this route, just read the fine print.
- Buy your credit score. If you’d rather go straight to the source, you can buy your score directly from one of the three main credit reporting companies: Equifax, Experian and TransUnion. Just remember, you’re not obligated to buy any of the additional services they may offer you, like identity protection or background checks.