How to Check Your Credit Score and Credit Report

Knowing your credit score is an important part of maintaining your overall financial health. But your score alone won’t give you the full picture of your situation. Because your credit score is based on information in your credit report, it’s important to also check your report. Here’s how to obtain both.

How to Check Your Credit Report

  1. Visit By law, every 12 months you're eligible to receive a free copy of your credit report from each of the three major credit reporting agencies through this central website. You can also request a copy by phone or mail.
  2. Have your personal information ready. To get your free report, you'll need to provide your name, address, Social Security number, and date of birth. You may also be asked to provide previous addresses and information only you would know, such as the amount of your monthly mortgage payment.
  3. Review your report to make sure the information is correct. Errors include accounts that don't belong to you, names of employers you didn't work for, and previous addresses that are wrong.
  4. If you find mistakes, contact the credit reporting agency that issued the report, as well as the creditor who provided the information. The credit reporting company will investigate and issue you another free report if the dispute results in a correction.

How to Check Your Credit Score

  1. First, see whether your credit report, credit card statement, or a loan statement has your credit score on it.
  2. If not, consider purchasing your score directly from one of the three major nationwide credit reporting agencies: Equifax, Experian, or TransUnion. (Your score will vary based on the agency providing the report.)
  3. If your credit score isn’t as high as you’d hoped, look at your credit report for areas where you need to improve, check for any potential errors on the report, and consider visiting a credit counselor.

If your credit isn’t as healthy as you want it to be, staying aware of your score and report is a great first step. Learn more about building credit.


This information is general in nature and is not intended to be legal, tax, or financial advice. Although Regions believes this information to be accurate, it cannot ensure that it will remain up to date. Statements or opinions of individuals referenced herein are their own—not Regions'. Consult an appropriate professional concerning your specific situation and for current tax rules. Regions, the Regions logo, and the LifeGreen bike are registered trademarks of Regions Bank. The LifeGreen color is a trademark of Regions Bank.

All non-Regions owned apps, company, website and product names are trademarks or registered trademarks of their respective owners. Their mention does not imply any affiliation with or endorsement by Regions of them or their products and services. They are merely used as examples of the many available apps, companies and websites that offer similar services. Before using any app or website you should carefully review the terms of use, data collection and privacy policies. Apps may have an initial cost or in-app purchase features.