Your credit plays a very important role in your life. Banks evaluate your credit when they're deciding whether to give you a credit card or loan. Prospective employers may review your credit (report) before hiring you for a job. To make sure your credit is in the best shape, you should check it periodically, making sure all the information is accurate.
You can check your credit by ordering a copy of your credit report and your credit score.
There are many ways to order both of these – some methods are free and others you must pay for.
• AnnualCreditReport.com – free credit report from each of the three credit bureaus each year. There's no credit score included when you order from
• Quizzle.com – free Experian credit report and credit score twice a year.
• CreditKarma.com – free Equifax and TransUnion credit score anytime. Free Equifax and TransUnion and credit reports, accessible anytime, updated weekly.
• myFico.com – Equifax, Experian, or TransUnion FICO score and credit report for $19.95.
• Experian.com – Experian credit report and score for $14.95, all three bureau reports and scores for $39.95
• Equifax.com – Equifax credit report and score for $15.95.
• TransUnion.com – TransUnion credit report and credit score, $1 for 7 day free trial, $17.95 monthly after that
Certain states have laws that let you order a free credit report with no subscription.
These states include Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, Puerto Rico, and Vermont. Use the links below to order a free copy of your credit report if you live in one of these states.