There are a wide variety of options available to those who need to know how to get credit score reports. Some of these options are free, and others will require a small fee. The majority of resources available to those who need their credit information quickly are online; however, it is important to note that obtaining credit information on the Internet does have potential risks. While many of the websites that offer credit services are reputable, there will always be those that were set up to scam its customers. It is vital that consumers are selective when getting copies of their credit information on the Web.
Credit score monitoring services offer credit reports and credit scores to customers who enroll in monthly subscription programs. These companies not only provide credit scores and credit reports; they also alert subscribers immediately when new information has been placed on their reports. There are many reputable companies online that provide this great service for a reasonable fee.
Sites that offer free credit reports annually are also a great resource. These websites offer one credit report per customer each year at no charge. You can have a hard copy of your credit report mailed to you, or you can request to receive your report electronically.
Banks and financial institutions generally run credit reports quarterly, which is also a great resource to clients. Make an appointment with your banker to review your credit report, and request a copy of your credit score and report during your meeting.
Contacting one or each of the three credit bureaus is the most popular method that people use to obtain a copy of their reports. Experian, Equifax, and TransUnion have toll-free customer service representatives available to assist those who want access to their reports. After making a request, customers can expect to receive their reports by mail within six to eight weeks.