How to Get an Online Credit Score Report from a Reputable Website
- 1). Keep your credit care in your wallet. Never give credit card information to a website. Once they have your credit card, they are going to charge you something. Some sites will enroll you in a 'credit protection plan' costing as much as $15 a month without your express permission. All a reputable website should need to generate a free online credit score report is your name, address,date of birth and social security number.
- 2). Be prepared to answer security questions to verify your identity. Common questions cover which bank holds the mortgage to your home, the amount of the mortgage and other financial information. You do not have to provide this information, the credit agencies already have it, they just want you to answer correctly to prove that you're you and not an identity thief.
- 3). Know that the three major credit reporting agencies, Experian, Equifax, and Transunion together maintain a website where consumers can get an online credit score report for free every year. The website link can be found in the Resources section further below.