I was wondering how I may check my credit as I recently tried applying for a credit card to start making purchases for an art studio and was refused with the reason being “insufficient or lack of credit information.”
I would expect that I just have no credit as all, as opposed to terrible credit, as I have never used credit to make any purchases or obtain any loans.
You can get free credit reports weekly at Annual Credit Report.com - Home Page. This site is run by the government and allows you to see reports from all three major bureaus. While the report itself won’t show your score, it has all the information that goes into calculating it.
Another option is to look into what your bank or credit card issuer offers. Many institutions now provide free credit scores to their customers as a perk. It’s worth checking your online banking or credit card statement to see if this is an option for you.
I use safeportlaw. com to get a free credit review with an attorney who can analyze my report and give me advice. This could be helpful if you find errors in your report or want a professional opinion on how to raise your score.
Most credit card issuers provide free credit score access to their cardholders making it easier than ever to check and know your score. Some issuers, such as Citi and Discover, provide free FICO Scores, while others, such as Chase and Capital One, provide free Vantage Scores.
You can also use websites like Credit Karma, Credit Sesame, or WalletHub, which provide free access to your credit score and credit report from one or more of the major credit bureaus (Equifax, Experian, TransUnion).