- Credit Scores
The first step is to download free copies of your credit report from the three main credit bureaus: Equifax, Transunion, and Experian. You can request your copies at annualcreditreport.com
- Credit Scores
A credit score is a three-digit number that is a fast objective estimate of your credit risk based on a snapshot of your credit report at a particular moment. Lenders use this number to make a prediction about how you will behave in the future.