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Annual Credit Home Page. is the only official site explicitly directed by Federal law to provide them. There's more to the game than a score. How you play changes your score. Details such as how much credit you have how much you owe and how often you pay affect your credit scores. Do you know what else does? What affects your credit score? One of these things is not like the others. You may think you have one credit report and one credit score. But you really have several and they may differ. You should check all three reports regularly. Request your free credit reports. Your credit reports matter. Credit reports may affect your mortgage rates credit card approvals apartment requests or even your job application.
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Know your score Download. Improve your score Download. FAQs Your questions answered. We are an independent team working hard to make sure you get access to your credit score and report for free. Get your credit report and credit score for free. We use cookies to improve your experience. No problem More info. Balance transfer credit cards How to choose your first credit card Why pay with a credit card? Cashback credit cards Low interest credit cards Credit cards for bad credit Should I get a credit card or a loan? How to improve your credit score What is a thin file? Credit score myths debunked What is a credit report? What is a credit score?

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