The three credit report companies (Experian, TransUnion and Equifax), by law must send you a free credit report when requested. However, they might charge to send the actual credit score. Credit Karma will give you the scores for free, but the scores they show tend to be a little higher when compared to the scores from the three credit report companies. And you will see ads at that website also.
The Federal Trade Commission (FTC) consumer information page here lists a source for a free credit report to download, and a phone number to call to order a free credit report: (877) 322-8228.
It is recommended to download the free credit report so you can review any problems that show up. Also, check your report for accuracy. If you find something that is not correct, contact the credit report company and the business providing the information, to get it resolved.
You can also read the FTC pamphlet, Building a Better Credit Report.
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