There are lots of precautions to take to ensure that you have a straight and good financial record. However, if you are really concerned about your financial records, you need to know your credit score as often as possible. Sadly, so many platforms charge some fees to issue credit scores but you can get a free credit report and score if you know your way through it.
The Role of Annual Credit Report
Annual Credit Report is the platform to think about if you need a comprehensive credit report. In fact, with an annual credit report, you can get a free credit report from the three major bureaus, namely; TransUnion, Experian, and Equifax. The free credit report from Annual Credit Report is made possible via the Fair and Accurate Credit Transaction Act (FACTA).
Even though you can get a free credit report from annualcreditreport.com, you need to pay a fee to get a credit score. Interestingly, there are lots of other platforms that offer a free credit report as well as your credit score for free.
Platforms to Get Your Credit Score for Free
There are several platforms where you can your credit score for free as well as a free credit report. Some of the most popular of these platforms include Credit Karma, Quizzle, WalletHub, Credit Sesame, and so forth.
These platforms offer various features and they work with different credit bureaus. For instance, while Quizzle partners with Equifax, Credit Karma partners with Equifax and TransUnion and Credit Sesame partners with TransUnion.
All lenders do not report to the same credit bureau; as a result, your free credit report and credit score may not be the same across the three major bureaus. In other words, you can get a better insight into your credit score and have a more comprehensive overview of it by getting a free credit report from the three major bureaus.
The platforms mentioned above allow you to get at least one copy of your free credit report once a year. If you need more than one free credit report from the same site, you can consider using credit.com that offers up to two free credit reports.
Wallet Hub is another free consumer tool that allows you to get a free credit report. Just like the other platforms discussed above, Wallet Hub offers several additional features such as credit monitoring and users can leverage the platform to get their credit scores.
Free Credit Report From Your State
Interestingly, you might be able to get a free credit report from your state. Of course, not all state offers the feature but states like Maryland, Colorado, Puerto Rico, Vermont, Maine, New Jersey, and Massachusetts allow residents to get one free credit report per year. If you are resident in Georgia, you might even be able to get two free credit reports in a year. A few other U.S. states subsidize the cost of getting a credit report but do not offer it for free.
Although Annual Credit Report does not include a credit score in your free credit report, you can get it from some other free websites and platforms.