The Fair Credit Reporting Act allows you to receive a free copy of your credit report.

If you want your credit score, you must pay for that.

Please NOTE, there are many types of score models. Banks & credit unions use
one called Fair Isaacs or FICO.  If you order your score, we recommend you only
request the Fair Isaacs model.  However, TransUnion and Experian do not offer
Fair Isaac to consumers. TransUnion sells "Your Personal Score Model."
Experian is now selling VanageScore. These score models have different ranges and
you can't compare them to the one your financial institution will use.  Equifax is the
only credit bureau that sells the Fair Isaac score model.  They call their version "Beacon."

FICO scores range from 350 to 850.  The average is around 700.  65% of your score is based
on your outstanding credit and how you pay your bills.  If you have no credit cards, loans,
mortgages or revolving accounts, you won't have a score.  If you only have collections or
judgments and no other accounts, you will not have a score.

More local banks, credit unions and finance companies report to Experian than to the others,
so you should get more information from Experian.

We recommend that you pull the Experian first and then order the TransUnion 4 months
later and the Equifax 4 months after that. 

You have the right to a free credit report from
or  877-322-8228, the ONLY authorized source under federal law.

Take me to the authorized source
Order your Free Annual Credit Reports by clicking here