The website to get your free credit report is annualcreditreport.com. That’s the official site set up through the federal government to give consumers free access to their credit reports. You can get your reports that are on file with Equifax, Experian and TransUnion from that site. Each consumer gets one free report every 12 months, so you can either get them all at once or you can go there every four months and get them one at a time.
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The site only gives free reports, however, and not your credit score (we assume you want your FICO score, though there are other types of scores as well). Those scores are compiled using various proprietary formulas and you’ll have to pay if you want them. For a FICO score, try myFICO.com (where you’ll have to sign up for at least a 10-day trial membership). Also, Bankrate.com has a FICO score estimator worksheet.
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Even without the score, looking at your report is helpful because it gives you a good idea of where you stand. It also shows whether there is incorrect information in your file or a potential problem with identity theft.
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At wrong website, ‘free’ report isn’t free – Chicago Sun-Times
