Credit score and report are the dominated factors in getting approved for a credit card, it’s necessary for cardholders to pay close attention to these items. There are three official credit bureaus in the US: Experian, Equifax and TransUnion. Once a bank receives an application for a credit card, it will pull a credit report from one or more of these bureaus to decide whether or not to approve you. There are some free method to get credit report or credit score:
- By going to https://www.annualcreditreport.com, you can get free official credit reports. According to the law, these bureaus are obligated to give everyone one free credit report every year.
- For Equifax and TransUnion, you can get free credit reports from CreditKarma.com. Discover credit cards, BoA credit cards, and Barclays credit cards offer TransUnion score. Citi credit cards offers Equifax score.
- For credit score of Experian, you can get free credit report from FreeCreditReport.com. Free credit score of Experian can be found at American Express and FreeCreditScore.com.