Because lenders assess your credit score to determine how much of a financial risk you are, it is vital to stay on top of your credit score and check your credit reports yearly. You simply need a computer with Internet access and a credit card to check your score. Websites such as Annual Credit Report allow you to review your credit report and purchase your credit score.
- Enter the credit report website
In your computer's Web browser, enter a credit website such as AnnualCreditReport.com. Click on the Request Yours Now link at the top of the page to be directed to a new Web page. Click on the Request Your Credit Reports at the bottom of this page.
- Fill in your information
Complete the form on the Web page with your personal information. Continue to the next page to choose which free reports you want to see. You can choose from Equifax, Experian or TransUnion. You may also request a credit report from all three of these sites.
- Review your reports
You are able to view the credit reports of your choosing from the individual sites for free.
- Purchase your credit score
You are charged a fee to view your credit score from each website. Follow the instructions on the Web page to purchase your credit score. If you have been denied a loan because of your credit score, your credit score is free.