Checking Your Credit Rating Today

There are several ways to access your credit reports and scores, ranging from official government-authorized sources to private financial tools. :

: You can access reports immediately online or request them by phone at 1-877-322-8228 or by mail. Credit Scores via Private Services : checking your credit rating

: Many banks and credit card issuers (such as Chase Credit Journey and Capital One's CreditWise ) offer free score monitoring for their customers. There are several ways to access your credit

: While federal law requires one free annual report, these bureaus have permanently extended a program allowing you to check your reports weekly for free through this site. : While federal law requires one free annual

: This is the only website authorized by U.S. federal law to provide free credit reports from the three major bureaus— Equifax , Experian , and TransUnion .

A common myth is that checking your own credit rating will damage it. In reality, credit inquiries are split into two categories: how to check credit rating