How do you get your credit score?

To obtain your credit score for free without entering a credit card number, visit Annualcreditreport.com, which is the only website authorized by the U.S. government to issue free annual reports, as of 2014. Other sites that offer free access to your credit report are Quizzle, Credit Karma and CreditSesame.

You can also go directly to the three major credit bureaus, Equifax, TransUnion and Experian, which all provide your credit score for a charge. Many sites advertise free credit scores but require that you sign up for a free trial and provide a credit card. If you forget to cancel the trial, your credit card is charged. It is best to use caution when obtaining your credit score to avoid these charges.