FAQ Categories

How Do I Find Out My Personal Credit Score?

Here’s a few different ways for how you can find out your personal credit score:

1. Annual Credit Report Request Service

  • By law, you are entitled to a free annual credit report from each of the three major credit reporting bureaus: Equifax, Experian, and TransUnion.
  • Visit AnnualCreditReport.com, the official site to help consumers to obtain their free credit report. This central site allows you to request a free a credit report, once every 12 months from each of the nationwide consumer credit reporting companies. BLF recommends this is the best way to get credit reports from all three major credit bureaus.
  • In my personal experience, both for myself and many clients over the years, TransUnion and Equifax are very glitchy when ordering credit reports from either the above method or even directly. There is a 50/50 chance that you will not be able to complete the transaction online for one or even both of them. This is a heads up. The only good news is that Experian usually has most items reported to the other two anyway.

2. Credit Card Companies

  • Many credit card companies and some banks offer free credit score checks to their customers. Check if your bank or credit card issuer provides this service.

3. Credit Score Services

  • Credit Karma offers free credit scores, reports, and monitoring. However, ensure you understand their terms, as some may require you to sign up for additional paid services. Credit Karma is fairly decent way to get an approximate idea of your scores, however it doesn’t include Experian.

4. Directly from the Credit Bureaus

Each of these bureaus may have slightly different information, so your score can vary from one to another. You may want to check your credit score from all three if you need a really comprehensive view of your credit standing.

Of the three, Experian.com is our pick for getting your score directly from a credit bureau. Experian is not only the most accurate and comprehensive, it is also the most widely used personal score for business lending. On top of that Experian has a fantastic completely free feature called ‘Experian Boost’, which is definitely not a gimmick (we’ve seen this firsthand many times). Be sure to check it out.

5. FICO Score:

  • The FICO Score, created by the Fair Isaac Corporation, is one of the most common credit scores used by lenders. You can visit myFICO to purchase your credit score. We at BLF do not think this is the best method as there are easier and cheaper methods above. We would, however, be remiss if we did not at least mention it.

When you receive your credit report, it’s important to review it thoroughly for any errors or discrepancies, as these can negatively impact your credit score. If you find any inaccuracies, you should dispute them with the credit bureau.

Learn more about how BLF assists our truckers with Credit Management.

BLF is here to assist you

Our goal is to provide you with expert help and guidance for you needs. Whether you need funding or business services for your trucking company, you are in reliable hands.

Scroll to Top