Ramit SethiRamit Sethi: The No-BS Guide to Living a Rich Life

How to Get Your Credit Score and Report, with Ramit Sethi

12 Feb 2009 · 1 min

Watch on YouTube

0:42

Short spoken tutorial by Ramit Sethi advising viewers how to obtain their credit report and credit score. Key recommendations: get your free credit report once a year from annualcreditreport.com (avoid freecreditreport.com), and pay (about $10) at myfico.com for an actual credit score. Emphasizes picking one bureau (TransUnion/Experian/etc.), checking the score yearly and using the information to improve credit.

Questions this video answers

Once a year.

annualcreditreport.com.

myfico.com — about $10.

Chapters

Every year. Once a year. Go to annualcreditreport.com do not go to freecreditreport.com it's scammy. They'll try to lock you in. Go to annualcreditreport.com it's free. Okay. And then for your credit score, not your credit report, which is free, your credit score, you need to pay. Just go to myfico.com, get like, it's like 10 bucks. Get it once a year and it doesn't matter. TransUnion, Experian, whatever. Yeah, they're slightly different. Just pick one. 85. Remember the 85% solution? Get 85% of the way there and then get on with your life. You want to pick a credit score and look at it. What is your credit score? Why is it low? It's actually great. It will tell you why it's high or low and what you can do to improve it.