There are companies that work on collecting and maintaining credit information of consumers. These are known as credit reporting agencies (CRAs). There are three such major CRAs in the country, namely Equifax, Experian, and TransUnion. Apart from these, there are other smaller-scale agencies too that specialize at the job. If you’re worried about “where to get my credit score?,” the larger CRAs are the most reliable bets. 

These major CRAs obtain information from companies that you hold business and transactions with. People or companies that lend you money regularly report to these CRAs on your repaying status. There is also detailed information on the amount you are indebted and whether you have ever defaulted on your payments. Aside from the reports obtained from lenders, these companies also tally your general records based on certain other aspects. Some of these aspects are your public records from the local and state judiciary. These include your tax records and bankruptcy information. This information makes up an important chunk of your credit score and its report. 

Equifax

Present in 24 countries, Equifax is an agency that offers consumers protection against identity theft and credit fraudulence. They also sell credit reports and credit monitoring assistance to businesses.

Experian

Experian started off in London and is now a trusted agency in 39 different countries. It provides you with a credit score, credit report, and even credit tracker on subscription. The agency uses FICO 8 system of credit score calculation. Experian was a part of Forbes’ “World’s Most Innovative Companies” in 2018. 

TransUnion

Based across 30 countries with a database of over 1 billion consumers, TransUnion is another CRA giant. The agency, like the other ones, will provide you with your credit score and your credit reports. In case you decide to freeze your TransUnion credit report, it will also go the extra mile to notify Equifax and Experian, which frankly is a big help especially in case of identity theft and credit fraud. 

So, the next time you are sat wondering “where to get my credit score?,” think of these three giants that provide you with an annual credit score and credit report for free once each year. However, if you are looking for more frequent updates, you can subscribe to their services and receive your monthly updates. 

Did you know that you have more than a single credit score? Agencies calculate your credit score based on the data in your credit reports. If you are wondering, “where to get my credit score?,” there are three main credit reporting agencies. These can have different credit scores for you if your information on each of their credit reports is different. Also, these agencies charge a fee to reveal your credit score.

 Recently, it has become easier to track and get hold of your credit score without paying any fees. You can get it from your credit card company, your loan provider, and even from a non-profit counselor. Here are a few tips you can use to check your score. 

• Contact a non-profit counselor
  You can contact a HUD-approved housing counselor or a non-profit credit counselor. They often aid in getting hold of credit reports and scores for free. Also, counselors can help review your score and help you improve your credit score.
• Check loan statements or credit card statements
  Several major auto loan and credit card companies provide their customers with credit scores. It is usually dispatched on a monthly basis. You will find your credit score on the monthly statement. You can also log in to your online account to check your credit score. 
• Use the services of the credit score agency
  A few websites and services often advertise about providing services for free credit scores. Most of these websites get funding through advertisements. So, they do not really need any fee to provide their services. However, there are some websites that may ask you to sign up by paying a subscription charge to provide you with your score. These websites may advertise free trials. Having said that, if you don’t cancel the services on time, you may end up paying for the “free” score. 
• Purchase a score
  You can also buy a score from any of the credit reporting companies. You can purchase your score directly from the website of the credit score agency. You can also get hold of an education credit score offered by a few credit score sources. There is not much difference between the credit scores used by lenders and educational credit scores. These are pretty much close and are helpful as well. However, for some people, the difference between these two types of credit scores can be quite significant. In such cases, educational credit scores are as useful.