text: where can i find my credit score? i've had one credit card for over a year and 3 other for about 5 months.   i am trying to buy a house, and i know i need good credit to do so.  i pay all my bills on time and in full.  where can i see my credit report?   and possibly, for free? really bad info posted here.  lets start with the basics.  by law you can get all 3 of your credit reports free at www.annualcreditreport.com once per year.  now for credit scoring, the only credit score that lenders look at is a fico credit score. unfortunately it is not free. you can get your fico credit score from equifax for $7.95 but that is only one credit bureau.   when you apply for a mortgage the lender will pull all 3 credit bureaus and "price" your loan from the middle score, so you really need to know all 3 of your fico scores.  once you have reviewed your credit reports for accuracy and disputed any items that you believe to be inaccurate you can go to www.myfico.com/12 and get all 3 of your fico scores for $45.00. this will also give you the top 4 reasons as to why your credit scores aren't higher.  when you have all 3 of your fico credit scores you can do some rate shopping before you apply. www.bankrate.com has calculators to determine what you can afford and in the mortgage section you can see a table of potential lenders with accurate rates in your local area.  also go to www.myfico.com and look in the credit education section to see how credit scores work.  good luck