How To Check My Credit Score
Some people think the task of how to check my credit score is impossible, but it is not. In recent years, the major credit reporting agencies have made it possible for individuals to actually complete the task of how to check my credit score. The bad news is that you will have to spend a little money, usually $8 to $15 per score report depending upon your state of residence.
- Visit the website(s) of each credit agency so you can start working toward how to check my credit score. You may want to buy just one credit score report, purchase two, or review all three scores. Decide how much you're willing to spend and consider whether you are making a major financial transaction in the near future such as buying a new car or a house. If you intend to apply for a major loan in the next six months, you may want to buy all available credit score reports.
- Filling out several required forms is a key step toward how to check my credit score. Under federal law, credit score agencies must ensure your identity before selling an individual consumer such confidential information. You'll provide your full name, current address, Social Security number, and date of birth. You may also need to submit your former address if you've recently moved.
- Answering a multiple-choice identity verification quiz is one of the final steps toward obtaining a copy of your credit score. You'll answer two to four questions on subjects like the name of a relative, a former address, or a current or previous lender. If you cannot successfully complete the quiz (remember this process happens on each website you might visit) you will be required to send in a copy of your driver's license and some other identifying document such as a utility bill. You'll then only receive your credit score report by postal mail.
- Submitting your credit card or debit card details is the final step to check your credit score. Once you pass identity verification, payment will be accepted. At this point, you should print and/or save your credit score report.