This is a pretty simple question but it’s come to my attention that most people aren’t aware that you can look up your own credit score for free. The federal government recommends using this website: https://www.annualcreditreport.com. The big three credit reporting companies, Equifax, TransUnion and Experian, are available from this site.
Lenders may use any one of these companies to obtain credit history on you so it’s important to check that the accuracy of your information with all three companies. While the reports and credit scores should be fairly consistent among these companies, it is possible that one has error while the other two do not. I recommend checking your credit at least once a year.
I personally have been using Credit Karma, https://www.creditkarma.com/, to monitor my credit for fraudulent use. A few years ago my debit card was one of thousands that had been hacked at a store and that store recommended using this service and it’s FREE! Plus the site also offers free credit monitoring which is more important. It automatically keeps on an eye on your credit and sends you notifications if something changes. Plus it offers suggestions on how to improve your score.
Liz Walker Real Estate 