How Do I Find My Free Credit Score?

"I want to get my free credit score." You are not alone if you want to find credit score for free. Unfortunately, many people are not sure how to go about this when they are dealing with credit repair.

It is common knowledge that you can pay to get your credit score, but for many the thought of paying for your own score is not something that they are willing to do. Thankfully there are ways to get that important information without having to pay for it.

How do I get my free credit score?

There are credit reporting agencies that will give you a credit score for free if you sign up for their services.

Generally they will give you a free trial of their services, but you need to be aware that after you find credit score with them that the free trial will run out and you will be paying them for their services. However, you can typically cancel these services.

There are also other resources like the Annual Credit Report Request Service that will give you a free copy of your credit report. That is a free copy of your credit REPORT, it does NOT include your score.

Most of the time you can request these via their website, by phone, or by mail. Generally it takes fifteen days to process after the request is received if it is being mailed, but if you are requesting it online you can get it immediately.

You are entitled to one free credit report per year so do not be afraid to take advantage of it.

What do I need to be careful of when I order my score?

The biggest thing that you need to be careful of is that you are dealing with a legitimate agency. When you find services that offer claims to find credit scores you want to be sure that they are legitimate.

Unfortunately, there are many people out there trying to take advantage and steal your identity. Because of this risk you want to be sure that you are using official organizations to find credit score.

Additionally, as was said earlier even if you do use an official company there are often free trial subscriptions that you need to sign up for to find my free credit score.

Those free trials run out and then the paid subscription automatically kicks in. This means that the free credit score is no longer free! Be careful to read all of the fine print before agreeing to anything.

Does my free credit score count against my credit?

Any inquiry as to your credit score will be noted. This means that your credit score will be mildly affected, but you need to think about it differently. It is not something that necessarily counts against, meaning that it is not ridiculously harmful to your overall score.

However, when you are checking your own credit score through one of the agencies, it usually does not count against you.

Be sure to read the fine print. That simple inquiry will give you the knowledge that you need to ensure that you are an educated consumer.

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