Ask the Readers: Do You Know Your Credit Score?

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Editor's Note: Congratulations to Sarah, Elizabeth S., and Jen for winning this week's contest!

Whether you realize it or not, your credit score plays a huge part of your life. From getting approved to rent an apartment to getting a loan, a good credit score can make your life much easier. However, many people have no clue what their credit score is.

Do you know your credit score? When was the last time you checked your score? How frequently do you check your score?

Tell us whether or not you know your credit score and we'll enter you in a drawing to win a $20 Amazon Gift Card!

Win 1 of 3 $20 Amazon Gift Cards

We're doing three giveaways — one for random comments, one for random Facebook "Likes", and another one for random tweets.

Mandatory Entry: 

  • Post your answer in the comments below 

For extra entries (1 per action):

  • Go to our Facebook page, "Like" us, and leave a comment telling us you did, or
  • Tweet your answer. You have to be a follower of our @wisebread account. Include both "@wisebread" and "#WBAsk" in your tweet so we'll see it and count it. Leave a link to your tweet (click the timestamp for the individual URL) in a separate comment.

If you're inspired to write a whole blog post OR you have a photo on flickr to share, please link to it in the comments or tweet it.

Giveaway Rules:

  • Contest ends Monday, October 10th at 11:59 pm Pacific. Winners will be announced after October 10th on the original post. Winners will also be contacted via email.
  • You can enter all three drawings — once by leaving a comment, once by liking our Facebook update, and once by tweeting.
  • This promotion is in no way sponsored, endorsed or administered, or associated with Facebook.
  • You must be 18 and US resident to enter. Void where prohibited.

Note: Due to recent changes in Facebook's promotions guidelines, we have restructured the entry format of our giveaways.

Good Luck!

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Guest's picture
Sam

Indeed I do!

Guest's picture
Guest

No.

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Michael

I check my credit score once or twice a year. More importantly, I check my credit report 3 times a year for anything I don't recognize.

There are 3 credit reporting agencies that have to each give you one free report per year, so I have Google Calendar remind me which report to request when.

Guest's picture
lisa

Well, I USED to know it. Two years ago, it was 799. I was told to cancel my unused credit card accounts to boost it. It's now at a 740. Who knows what it is today.

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nanjhall

I haven't checked it since I bought my car in 2003. Unless you are using and needing credit or know you have credit issues, I can't see paying to get your score.

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kevin mummery

Yes, I know my credit score and in fact check it regularly on Credit Karma!

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Michelle

I do know my credit score and can proudly say it is excellent. Thanks to Dave Ramsey!

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jenn

i keep up with my credit report every 4 months or so and check my score once a year.

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Sarah R

I check my credit score at least once a month... partly because I'm about a year and four months away from paying off my debt and I wanted to get some 0% balance transfer credit cards... so I waited til it was good and pounced!

Two important notes to people though: 1) you have THREE credit scores (one from each of the bureaus--TransUnion, Equifax, and Experian) and 2) the scores you can get yourself are NOT the same as the ones companies pull. For example, mine was 723 when I pulled it myself. The cc company I just got a card with told me it was 742. Same bureau.

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Hannah

Yes I do and it's over 800. Yahoo!

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Mrs. Frugalista

Mine is in the lower 800s.
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Guest's picture
Guest

Yes, I do know my credit score.

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BRB

I know around what my score is, but don't know exactly. I just check every year on the free annual government credit report to make sure everything is ok.

Guest's picture
Maria

I checked once a year when you can get the free credit score rating. Its important to know your number and make wise choices.

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Angie W

Last time I checked was a year ago... 'bout time I do it again.

Guest's picture
Angie White

I like you on facebook

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Carmen

I know roughly what our score is. I did check last year, but haven't since. I don't imagine it has changed much

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MJ

I check my score annually and then use creditkarma to keep up with the activity

Guest's picture
Ryan Walls

Yes I know it.

Guest's picture
Ev

I do. My credit union posts it on my accounts page. It is updated regularly too.