Whom do I call about my credit score?

Your credit scores are based on the information that is reported on your credit reports from three major credit bureaus – Experian®, Equifax®, and TransUnion®. So, if you see any errors in your credit scores, the first thing to do is to contact the credit bureaus to check if your credit reports are accurate. You are entitled to one free credit report every 12 months from each major credit bureau. If you need to check your credit report more than once, you may need to pay a fee to purchase the report directly from the credit bureaus. You can find the contact information for each credit bureau on their respective websites.

However, the majority of credit card companies give members free access to their credit scores.

If you find an error in your credit report, you can dispute it directly through the credit bureaus. The Fair Credit Reporting Act (FCRA) requires credit bureaus to always publish updated and accurate information in their reports. If there are mistakes, you can get them corrected for free, but the process is time-consuming.