What is the best way to have a credit check?
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kenny9678 wants to know:
I’ve owned 2 credit cards for approximately 5 years and now have student loans to pay off as well around 30k. What or where is the best place to get a credit check done? How easy is this and can it be done online? And once you have it done once is there a company that will provide anymore future checks for free?
I’ve owned 2 credit cards for approximately 5 years and now have student loans to pay off as well around 30k. What or where is the best place to get a credit check done? How easy is this and can it be done online? And once you have it done once is there a company that will provide anymore future checks for free?
Tagged with: 30k • Credit Check • Student Loans
Filed under: True Credit
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The best way is to do it yourself. You are allowed 1 free per year from each of the Credit Reporting Agencies. You can go to to do this. This is the offical site and the only one that is totally free, others with similar names have catches that require you to sign up for other services.
Now, if you want your score that will cost you and you can go to and get your score from there. This is the site that does the FICO Score which is the most widly used. The cost is $15.95 a report or $47.95 for all 3. When you pull your free credit report you will have an option to purchase your credit score at that time. It is cheaper than if you were to just get your credit score at a later time. However, since your score is based on the information that is in your report it is best to just get your report first to verify everything is correct before you pay for a score.
go to annualcreditreport.com you are entitle to one free credit report each year (one copy from each of the three major credit reporting agencies). GOOD LUCK