Understanding Credit Scores and Reports
Checking your credit score is an important aspect of maintaining a healthy credit report. There are several ways to check your credit score, including free and paid options.
Free options include requesting a copy of your credit report from each of the three major credit bureaus: Equifax, Experian, and TransUnion. Under federal law, you are entitled to one free copy of your credit report every 12 months from each bureau. You can request your free credit reports online, by phone, or by mail. It's important to note that your credit score may not be included in your free credit report.
Another way to check your credit score for free is to use a credit monitoring service. Many credit card companies and banks offer free credit monitoring to their customers. These services provide you with regular updates on your credit score and report changes, as well as alerts for suspicious activity.
If you want to check your credit score and don't mind paying for it, you can purchase your credit score from one of the credit bureaus or from a third-party provider. Be sure to read the terms and conditions carefully before signing up for a paid credit monitoring or credit score service.
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