How to Check My Credit Score

How to Check My Credit Score
Scoring models vary in how they weigh your credit history length.

Access the Free Score

To save money hunting for your score, register for a free account at Credit Karma. Provide your email and home addresses, phone number and last four digits of your Social Security Number. Answer a few questions for Credit Karama to confirm your identity. When you finish, you'll see four scores -- TransUnion, VantageScore, Automobile Score and Home Insurance Score. You can check them free of charge each time you log in.

Other Options

Credit Karma's scores are educational and differ from those furnished to lenders. If you rely only on the scores you get from Credit Karma, you might mistakenly think you'll qualify for a loan or a better rate. According to Fair Issac Corporation, 90 percent of lenders use its own FICO score. To get your FICO score, you must be a subscriber. If you want a credit report, you get a free one from TransUnion, Equifax and Experian through AnnualCreditReport.com, or you can track TransUnion reports regularly through Credit Karma.