Where to find your credit report and credit score online

A credit score is one of the most important components of your financial life. It determines how much you’ll receive when you apply for credit, the interest rate you’ll pay for borrowing that money and what lenders will be willing to lend to you. Sometimes, your credit score can play a part in a background check for a job or for renting an apartment or home.

It is always a good idea to check on your credit report regularly, even if you’re not applying for credit anytime soon.

Annual Credit Report

As mandated by Federal Law, you are allowed to receive a free copy of your credit report every 12 months from each of the three major credit reporting agencies in the United States – Experian, TransUnion and Equifax. These companies operate the website AnnualCreditReport.com as a way for consumers to request their free credit reports together at the same time.

Once on the website, you’ll find a button on the lower left-hand side of the page that allows you to start the process. Be aware that if you want to know your credit score, which is different from your credit report, you’ll likely have to pay a fee for it.

Credit reporting apps

MyFICO and Experian both offer credit reporting apps that routinely update your credit report. They charge a monthly fee but keep the information updated and available whenever you need it. Some credit card providers even offer free scores and reports.

Credit Karma and Credit Sesame offer free credit scores once you sign up for access to their website. Credit Karma offers TransUnion and Equifax credit scores while Credit Sesame offers just the TransUnion score. It also offers access to information from all three credit reporting agencies for a small fee each month.

If you need to build – or rebuild – your credit, Travis Credit Union offers a special credit-builder credit card to help you establish a good credit history. For more information, visit www.traviscu.org/credit-cards.

Credit Cards