Monitoring your credit score is essential for financial well-being and making informed decisions. While there are paid services and credit monitoring apps available, there are also ways to access your credit score for free. Here are some common methods:

1. http://AnnualCreditReport.com :
   • By law, you are entitled to a free annual credit report from each of the three major credit bureaus: Equifax, Experian, and TransUnion. These reports include your credit score. Visit http://AnnualCreditReport.com to request your reports.
2. Credit Card Statements:
   • Some credit card issuers provide your credit score on your monthly statements or through their online portals. Check with your credit card provider to see if this service is available to you.
3. Banking Apps:
   • Some banks and credit unions offer free access to credit scores through their mobile apps or online banking platforms. Check with your financial institution to see if this feature is available.
4. Credit Monitoring Services:
   • Some websites and apps, like Credit Karma, Credit Sesame, and WalletHub, offer free credit score monitoring. They provide ongoing access to your credit score and credit reports.
5. Applying for a Residential Mortgage:
   • When you apply for a residential mortgage loan, the lender is typically required to provide you with a copy of your credit score as part of the application process.
6. Adverse Action or Higher Interest Rate:
   • If a creditor takes adverse action against you, such as denying credit or charging you a higher interest rate based on your credit score, they are usually required to provide you with a free copy of the credit score used in their decision.
7. State Requirements:
   • Some states have laws that require creditors to disclose your credit score to you when they take certain actions, such as increasing your interest rate or denying credit.
8. Beware of Credit Score Trials:
   • Be cautious of websites or services that offer free credit scores but require you to sign up for a trial or subscription service. Ensure that you understand the terms and cancel any subscriptions before they start charging.

Regularly monitoring your credit score helps you stay informed about your financial health and can alert you to any potential issues or discrepancies in your credit report. Whether you access your credit score through free services, financial institutions, or other methods, it’s an important step in managing your credit effectively.