Your credit score is not available from Equifax, Experian or TransUnion, which are consumer reporting agencies, because they may not have enough information about your credit history to calculate a score.

A credit score is a number that reflects the information in a credit report.

A credit report is a record of your credit history. It includes information about whether you pay your bills on time and how much you owe to creditors.

A credit score can change, depending on how a consumer's history changes.

Credit scores are important because consumers who have higher credit scores generally will get more favorable credit terms.

Not having a credit score can affect whether you can get a loan and how much you have to pay for that loan.

You have a right to dispute any inaccurate information in your credit report. If you find mistakes on your credit report, contact the consumer reporting agency.

It is a good idea to check your credit report to make sure the information it contains is accurate.

Under federal law, you have the right to obtain a free copy of your credit report from each of the nationwide consumer reporting agencies once a year.

To order your free annual credit report:

• By telephone:
  Call toll-free 1-877-322-8228
• On the web:
  Visit https://www.annualcreditreport.com 
• By mail:

  Mail your completed Annual Credit Report Request Form (which you can obtain from the Federal Trade Commission's web site at https://www.ftc.gov/bcp/conline/include/requestformfinal.pdf) to:

  Annual Credit Report Request Service
  P.O. Box 105281
  Atlanta, GA 30348-5281