Your credit score is the first element that the lenders or creditors look at when you want to take out a loan. And that shows all the transactions that you have done about the loan. Therefore, many people want to manage and control the credit score by taking the credit score. This brings to mind the following question; ‘How do I get my credit score?’.
Your credit reports are used to calculate your credit score. There are three credit reporting agencies that prepare credit reports. These; Experian, Equifax and TransUnion (formerly CallCredit). These credit reporting agencies collect and report all information about your loans. Especially when there is a negative situation about the factors that make up your credit score, you can see this in your reports for years. With these negative situations, every action you take to improve your credit score is also included in your credit reports and reduces or increases your credit score.Since these are the three credit reporting agencies that prepare your credit reports, ‘How can I get my credit score?’ the first option you will find answers to your question is these three credit reporting institutions. Already, other companies or providers that calculate your credit score will also calculate your credit score based on the reports of these three credit reporting agencies.
All three credit reporting agencies have their own credit score calculation system and credit score range. Therefore, your credit score will vary according to the three credit reporting agencies. If you want to manage your credit score in the best way, you should follow your credit score according to the three credit reporting institutions. Because, some lenders and creditors only report your credit transactions to one or two credit reporting agencies. Therefore, your credit reports may contain incomplete information and your credit score may not have been calculated correctly. According to credit reporting institutions you can get your credit score as follows;
How to get my credit score from Experian?
‘How to get my credit score free?’ Experian is the first credit reporting agency to answer your question. You can learn your credit score free of charge with CreditExpert service from Experian. However, the period you can learn for free is limited to the ‘trial period’. You must pay a monthly subscription fee after the trial period ends. This fee is £ 14.99.
The other service you can use with Experian is CreditMatcher, but you cannot get your credit score. People who use this service can learn and compare their credit profile based on their financial profile. They can also shop to learn how to make money.
Finally, you can sign up for Money Saving Expert Credit Club with Experian. With this service, you can learn your credit report and earn free points forever, but with this service, you will not receive notification of a negative situation in your credit reports.
How to get my credit score from Equifax?
‘How to get my credit score free?’ Equifax is the second credit reporting agency to answer your question. With Equifax you can learn your credit score for free. However, as in Experian, Equifax gives you a ‘trial period’ to get your free credit score. The monthly subscription fee you pay after the trial period is lower than Experian. The fee is £ 9.95.
You can also earn free lifetime points with Equifax’s ClearScore service.
Finally, there is the CheckMyFile service that they use with TransUnion credit reporting agency. The monthly subscription fee for this service is £ 14.99.
How to get my credit score from TransUnion?
‘How to get my credit score free?’ TransUnion (formerly CallCredit) is the last credit reporting agency to answer your question. Like the other two credit reporting agencies, this credit reporting agency has a ‘trial period’ and you can earn free points with the Noodle service. However, TransUnion brings in possible credit or credit cards that can be accepted as different from others. This way, you can process your credit or credit card without having a hard credit query and without decreasing your credit score.
How to get my credit score free by other means?
You don’t need to learn your credit score by only three credit reporting agencies. You don’t need to learn your credit score by only three credit reporting agencies. ‘How to get my credit score free?’ There are other ways to find the answer to the question;
Credit Carma, Credit Sesame, Quizzle;
You can learn your credit score by VantageScore score type from all three services. However, the credit reporting institutions where all three services use credit reports are different. Credit Carma calculates your credit score based on credit reports from TransUnion and Equifax, Credit Sesame Experian, and Qizzle from Equifax.
You can learn your credit score from credit unions without using a credit card. The two credit unions that provide this service are as follows; DCU Credit Union and Pentagon Federal Credit Union. ‘How to get my credit score free?’ from these associations that answer your question, you can find out your credit score by FICO score type.
You can also get your credit score free of charge via some credit cards. These credit cards are;
- American Express,
- USAA Bank,
- Capital One,
- Commerce Bank,
- US Bank,
- First Bankcard,
These credit cards often allow you to learn your credit score by FICO score type. However, some of them allow you to learn your credit score through websites and some of them list your credit score on your credit card statements.
Bank of America;
‘How to get my credit score free?’ the last answer to your question is Bank of America. Bank of America uses TransUnion’s credit reports to calculate your credit score. If you have the appropriate credit cards, you can learn your credit score by FICO score type.