How to Get Your Credit Score for Free

Soon lenders will be required to show you your score if you're denied credit or charged a higher interest rate.

When will the new rules take effect requiring lenders to give people their credit score for free? What do I have to do to qualify for a free copy of my credit score?

Although you’ve been able to get a free copy of your credit report from each of the three credit bureaus for several years now (available at, you generally would’ve had to pay extra to get a copy of your credit score. (A credit score translates a credit record into a single number that helps lenders assess the likelihood that a borrower will repay a loan). That’s about to change. Starting July 21, lenders will be required to reveal your credit score if you are denied credit or are charged a higher interest rate because of your score.

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Kimberly Lankford
Contributing Editor, Kiplinger's Personal Finance

As the "Ask Kim" columnist for Kiplinger's Personal Finance, Lankford receives hundreds of personal finance questions from readers every month. She is the author of Rescue Your Financial Life (McGraw-Hill, 2003), The Insurance Maze: How You Can Save Money on Insurance -- and Still Get the Coverage You Need (Kaplan, 2006), Kiplinger's Ask Kim for Money Smart Solutions (Kaplan, 2007) and The Kiplinger/BBB Personal Finance Guide for Military Families. She is frequently featured as a financial expert on television and radio, including NBC's Today Show, CNN, CNBC and National Public Radio.