Visit AnnualCreditReport.com and request your free credit reports from each bureau (Equifax, Experian, TransUnion)
Check your credit score directly with each bureau’s official site (Equifax, Experian, TransUnion)
Use your bank or credit card issuer’s app or website to view your credit score (if they provide one)
Use reputable credit score providers that offer free score access (e.g., Credit Karma, NerdWallet, WalletHub)
Review your credit report details for inaccuracies (accounts, balances, payment history, personal information)
If you find errors, dispute them with the bureau(s) using the dispute process on the bureau’s site or via AnnualCreditReport.com links
Set up alerts or monitoring through a credit monitoring service if you want ongoing updates
Verify the score model and range shown (since scores can differ by bureau and scoring model)