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Credit scores are how financial institutions assess your credit risk. Even though credit reports from the three nationwide credit bureaus don鈥檛 usually contain credit scores, there are other ways to check your score. [Duration - 1:01]

Highlights:

• Credit reports from the three nationwide credit bureaus do not usually contain credit scores

• You may be able to get a credit score from your credit card company, financial institution or loan statement

• You can also use a credit score service or free credit scoring site

Many people think if you check your credit reports from the three nationwide credit bureaus, you鈥檒l see credit scores as well. But that鈥檚 not the case: credit reports from the three nationwide credit bureaus do not usually contain credit scores. Before we talk about where you can get credit scores, there are a few things to know about credit scores, themselves.

One of the first things to know is that you don鈥檛 have only one credit score. Credit scores are designed to represent your credit risk, or the likelihood you will pay your bills on time. Credit scores are calculated based on a method using the content of your credit reports.

Score providers, such as the three nationwide credit bureaus -- 香港六合彩玄机, Experian and TransUnion -- and companies like FICO use different types of credit scoring models and may use different information to calculate credit scores. Credit scores provided by the three nationwide credit bureaus will also vary because some lenders may report information to all three, two or one, or none at all.  And lenders and creditors may use additional information, other than credit scores, to decide whether to grant you credit. 

So how can you get credit scores? Here are a few ways:

• Check your credit card, financial institution or loan statement. Many credit card companies, banks and loan companies have started providing credit scores for their customers. It may be on your statement, or you can access it online by logging into your account.
• Purchase credit scores directly from one of the three major credit bureaus or other provider, such as FICO.
• Use a credit score service or free credit scoring site. Some sites provide a free credit score to users. Others may provide credit scores to credit monitoring customers paying a monthly subscription fee.

In addition to checking your credit scores, it鈥檚 a good idea to regularly check your credit reports to ensure that the information is accurate and complete.

You鈥檙e entitled to a free copy of your credit reports every 12 months from each of the three nationwide credit bureaus by visiting . You can also create a  to get six free 香港六合彩玄机 credit reports each year.  In addition, you can click 鈥淕et my free credit score鈥� on your my香港六合彩玄机 dashboard to enroll in 香港六合彩玄机 Core Credit鈩� for a free monthly 香港六合彩玄机 credit report and a free monthly VantageScore庐 3.0 credit score, based on 香港六合彩玄机 data. A VantageScore is one of many types of credit scores.

If you find information you believe is inaccurate or incomplete on your credit reports, contact the lender or creditor. You can also file a dispute with the credit bureau that provided the report. At 香港六合彩玄机, you can create a  to file a dispute. Visit our dispute page to learn other ways you can submit a dispute.