Your must know your credit score if you are going to apply for any credit as your interest rate depends on it. Your credit report is what determines your credit score. Therefore, you should look at your credit report regularly to spot any inaccuracies. The best place to check your credit report is from the free website Annual Credit Report where you can check three credit reports from the three different companies: Equifax, TransUnion, and Experian. I suggest looking at one report every 4 months so that you can check your free credit report 3 times a year.
As for the credit score, most companies charge even when they say the credit score is free. Or, they charge if you don't cancel their service, which some people forget. Therefore, there are two great truly free credit score websites available: Credit Karma and Quizzle. My Credit Karma score has always matched one of my scores that I have purchased from MyFico.com exactly. Quizzle has always been around 80 points lower than the average of my three scores, which have always been only a few points away from each other or equal. However, you can get a rough idea of where you are by getting both of these free scores.
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