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know your credit score

Know Your Credit

Checking your credit report is a GREAT idea!

It's smart to check your credit report/score on an annual basis. This helps to ensure the information reported is correct and so you know where you stand when you go to get a loan. There are a lot of sites that promise credit reports for free – only to find out you need to sign up for something or there is a hefty fee. TLC recommends using There is no cost for getting your report, however, if you want to get your credit score, there will be a small charge.

  • You may request one free copy of your credit report from all three national credit bureaus every year. Some people request their report from one credit reporting agency every 4 months to keep a constant eye on things.
  • To obtain your free report, go to, or call toll-free, 877-322-8228. Be prepared, you will need to answer questions about your past credit for verification purposes.
  •  To request your reports by mail, send a letter to:
     Annual Credit Report Request Service
     P.O. Box 105281
     Atlanta, GA 30348-5281
  • You may contact one or all three national credit bureaus to ask questions about what was on your credit report
  • Checking your own credit report is considered a “soft” hit and does not affect your score