Access Your Credit Report Online: a Guide

Knowing how to get your credit reports and credit scores can be very confusing. There are just so many different options out there. First and foremost, there are a few key things to remember:

  • You can get the free, annual credit reports you are entitled to by federal law at either or by calling 1-877-322-8228.
  • If you have exhausted your free credit reports, you can get reports directly from the credit bureaus – Equifax, Experian and TransUnion – for a small fee. Each of their website can be found by tacking on “.com” to the end of their company name.
  • Overwhelmingly, the most common credit scores used by lenders are the FICO scores developed by the company of the same name. You can access your FICO score for a fee at Financial institutions often use separate FICO scores for each of the three credit bureaus.

So what are these other credit scores you read about at the credit bureau websites? The credit bureaus have developed their own proprietary scoring models in an attempt to compete with FICO. You have the option of purchasing these at their respective websites.

The list is:

  • Equifax – “Equifax Score” from each of the three bureaus available for purchase
  • Experian – Both a “PLUS Score” and a “VantageScore” from each of the three bureaus available for purchase
  • TransUnion – “VantageScore” from each of the three bureaus available for purchase

One key thing to keep in mind in regard to scores:
The Equifax Score, PLUS Score and VantageScore models are used by financial institutions much less frequently to make lending decisions than the FICO score.

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