#free credit score check
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Free Credit Report
Go to the Annual Credit Report website. This website is authorized by the government to provide the free credit reports to which you are entitled by law.
Select the state in which you live and fill out the personal information on the following form. You need to provide your full name, date of birth, Social Security number and current address to locate your credit report.
Select the credit bureau from which you would like to receive your report. You are entitled to one report per year per bureau. Therefore, you can get them all at once or stagger the requests to monitor your credit more frequently.
Follow the instructions to get each of the credit reports you request. You might need to answer additional personal questions to verify your identity. Use the link at the top of the page to return to AnnualCreditReport.com after getting each report so you can navigate to the next one.
Keep Score High
Look over your credit report for errors, such as accounts that do not belong to you or records of late payments that are inaccurate. Dispute any errors you find with the credit bureau that provided the report by following the instructions printed on the report.
Make all of your payments on time every month. Setting up automatic payments or payment reminders keeps you from forgetting them. Making and sticking to a budget can help you have money when you need it.
Use only a small percentage of your available credit on each of your credit cards. As your credit card balance approaches your credit limit, your score begins to drop. This is because you appear to be overextended, which makes you more of a credit risk, so your score adjusts to reflect the risk.
Apply for new credit only when you need it. Whenever a creditor checks your credit in response to an application, the creditor’s name appears in the inquiries section of your report. Each inquiry drops your score slightly. Checking your own credit or having your credit checked for employment or another non-credit-related reason does not hurt your score.
Pay all bills, including those that don’t usually report to the credit bureaus, such as medical and utility bills. If you are delinquent, they can sell the accounts to collection agencies, at which point they will seriously hurt your score.