Who can I call to understand my credit score?
Emma Miller
Updated on January 31, 2026
go to AnnualCreditReport.com or. call Annual Credit Report at 1-877-322-8228.
Who can I trust to check my credit score?
If you want a truly free credit report, go to AnnualCreditReport.com. Under federal rules, you can get one free credit report from the three leading credit reporting agencies (CRAs) – Equifax, Experian and TransUnion — each year.
Who do I contact if my credit score is wrong?
If you aren’t able to answer correctly, call 877-322-8228 to request your credit reports by mail.
What is the safest way to check your credit score?
How to access your report. You can request a free copy of your credit report from each of three major credit reporting agencies – Equifax®, Experian®, and TransUnion® – once each year at AnnualCreditReport.com or call toll-free 1-877-322-8228.
Who can access your credit report or score?
Your credit scores and credit reports can be obtained by several kinds of organizations. As a general rule, assume that if an entity has a legitimate business need, it can access your credit. Here are some of the companies and individuals that may be able to pull your reports or a score:
Which is the best site to check your credit score?
The higher your score, the lower your interest rate may be for a loan or credit card. Check your credit report. Get a free report yearly from Equifax, Experian, and TransUnion at the official site AnnualCreditReport.com. Check for errors and for fraudulent accounts. This report does not include your credit score.
What can a business do to check your credit report?
The Fair Credit Reporting Act only allows businesses who have a “permissible purpose” to check your credit report. That would include something like pulling your credit report to see if you qualify for a credit card or loan.
How does a credit repair specialist check your credit report?
What Do Credit Repair Specialists Do . Credit repair specialists review your full credit reports from all three credit bureaus. They may ask you to bring in your credit report or they may use software to pull and monitor your credit report information.
