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How Can I Find My Credit Score for Free?

By Len Penzo

credit card basicsYour credit score is a financial report card that tells lenders how risky it is to do business with you. The higher your score, the more likely you are to pay back a loan — and that means that lenders will be more willing to offer you bigger loans and lower interest rates.

Thankfully, there are ways to get your credit score for free — you just need to know where to look!

Access It Online. Plenty of web-based companies offer free credit scores. Financial management service companies like Credit Karma, credit education sites like Credit.com and online credit management tools like Credit Sesame are just a few examples.

Ask Your Bank. Several lenders — including JPMorgan Chase, Bank of America, USAA, the State Employees’ Credit Union, and Ally Financial — recently announced that they’re now providing free credit scores to their customers.

Check Your Credit Card Bill. A growing number of credit card companies offer free credit scores as part of their service. In fact, Discover has been including credit scores on their customers’ online- and paper-statements since 2013 — which means that many credit card holders actually look forward to getting their bills now. Well, almost.

Photo Credit: GotCredit

October 1, 2020

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