You can get one free credit report each year from each of the three nationwide credit bureaus. The website annualcreditreport.com is your portal to your free reports. (Note: when you leave that website and move to the company website to get your free report, the company will probably try to get you to sign up for costly and unnecessary credit monitoring services.)
Advertising Identifiers. We and our service providers may collect Advertising Identifiers ("Advertising IDs") that are generated by a mobile device's operating system. Advertising IDs enable us and our service providers to serve advertisements to a mobile device by helping to distinguish devices for ad tracking and suppression purposes. You may choose to enable a feature that limits the use of Advertising IDs, or you may reset the Advertising ID on your device. These features do not block all advertisements to your device, but they can prevent relevant advertisements (ads based on your browsing history) from appearing on your device.
The lesson here is that it’s hard to know exactly what your credit score will be when a potential creditor looks at it (or what score they’ll even look at). Instead of obsessing over a specific number, regularly review your credit reports for accuracy and focus on the fundamentals of good credit like paying down debt, making payments on time, waiting for negative information to age off your credit reports and sparingly applying for good credit.
To order, visit annualcreditreport.com, call 1-877-322-8228. Or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Do not contact the three nationwide credit reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228 or mailing to Annual Credit Report Request Service.