With the current state of the economy and the credit industry, lenders are now requiring even higher credit score ratings than before to get the best rates. So a common question among would-be borrowers is, "How do I check my credit score?"

Most people have gotten the word that they are entitled to a free credit report from each of the three Credit Bureaus (annualcreditreport.com) each year. But do you know if you can check credit score for free?

Unfortunately, it's not free. But you can get your FICO credit score (along with 1 credit report) for $15.95 at myfico.com.

Remember, if you’re not working the system, it’s working you.

PapaJoe

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True or False?

According to federal law, I can get my credit score free once a year from the three major credit bureaus.

False.

Trick question. Federal law states that you can get a copy of your credit report free once a year - NOT your credit score.

If you want your credit score, you must still pay for it. It is strongly recommended that you review your credit report a minimum of once a year.

You can get your credit report free in one of three ways. You can either:

• Go online to www.anualcreditreport.com

• Call 1-877-322-8228

• Write to:

Annual Credit Report Request Service

PO Box 105281

Atlanta, GA 30348-5281

Remember, if you’re not working the system, it’s working you.

PapaJoe

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