How to Call and Get Your Credit Score

How to Call and Get Your Credit Score

Your credit score is an essential factor in determining your financial health. It plays a crucial role when applying for loans, credit cards, or even renting an apartment. Monitoring your credit score regularly allows you to stay on top of your financial well-being and take necessary actions to improve it if needed. While there are various ways to obtain your credit score, calling the credit bureaus directly is a quick and effective method. This article will guide you through the process of calling and getting your credit score, providing helpful tips and answers to frequently asked questions.

Step 1: Gather necessary information
Before making the call, ensure you have all the necessary information ready. This includes your full name, date of birth, Social Security number, and current address. Having these details at hand will help streamline the process and enable the credit bureau to locate your file promptly.

Step 2: Identify the credit bureaus
There are three major credit bureaus, namely Experian, Equifax, and TransUnion. It’s essential to check your credit score with all three, as each bureau may have slightly different information. Make a note of the contact numbers for each bureau or simply use the central toll-free number, 1-877-322-8228, to reach all the bureaus.

Step 3: Make the call
Dial the number of the credit bureau you wish to contact. You’ll likely be greeted by an automated menu system. Follow the prompts, selecting the appropriate options to request your credit score. You may be asked to provide your personal information, such as your Social Security number, to verify your identity. Ensure you’re prepared to provide this information accurately and securely.

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Step 4: Understand the results
Once you’ve completed the necessary steps, the credit bureau will provide you with your credit score. It’s crucial to understand what the score means and how it impacts your financial well-being. Credit scores typically range from 300 to 850, with higher scores indicating better creditworthiness. Lenders often consider scores above 700 as good, while scores below 600 may result in difficulty obtaining credit or loans. Familiarize yourself with the credit score ranges and evaluate where you stand.


Q: How often should I check my credit score?
A: It’s advisable to check your credit score at least once a year. However, if you are planning to make a significant financial decision, such as applying for a mortgage or buying a car, it’s recommended to check it more frequently, ideally every three to six months.

Q: Are there any fees involved in obtaining my credit score?
A: Under the Fair Credit Reporting Act, you are entitled to a free copy of your credit report once every 12 months from each of the major credit bureaus. However, some credit bureaus may charge a fee for providing your credit score. Make sure to inquire about any potential charges before proceeding with the call.

Q: How long does it take to receive my credit score over the phone?
A: The process of obtaining your credit score over the phone is generally quick. Once your identity is verified, the credit bureau will provide your credit score immediately or within a few minutes.

Q: Can I dispute any errors in my credit report during the call?
A: While you can request a copy of your credit report during the call, it’s advisable to review it thoroughly before disputing any errors. If you find any inaccuracies, it’s best to follow the credit bureau’s instructions on reporting disputes, which may involve submitting a written request along with supporting documentation.

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Q: Does checking my credit score affect my credit?
A: No, checking your own credit score does not impact your credit. This type of inquiry is known as a “soft inquiry” and has no effect on your credit score. However, keep in mind that when potential lenders or creditors check your credit, it may have a slight impact on your credit score.

In conclusion, calling the credit bureaus directly is a convenient method to obtain your credit score. By following the steps outlined in this article, you can easily access your credit score, understand its implications, and take the necessary steps to improve your financial well-being. Remember to monitor your credit regularly, as it is an essential aspect of maintaining a healthy financial profile.