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First, your credit score is based on your credit report.

Any incorrect information could reduce your credit score.

Credit Sesame and Quizzle let you access your Experian score for free (no credit card required) in about 5 minutes.

These sites also provide you with other information about your credit situation.

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In addition to the methods outline above, you can gain access to your credit scores when you apply for a loan.

While the information is free, accessing your scores this way will show up as a hard pull credit inquiry that slightly hurts your scores.

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Read carefully about each service and the score(s) they provide.

It does NOT constitute financial, legal, or other advice of any kind.


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  4. Throughout the ups and downs of the past 12-or-so months Palm has been "back," the company has stuck with Sprint as its lone carrier partner in the US -- so while it's been innovating and tweaking on its platform and devices, the third-place partner has kept it from the larger audiences AT&T or Verizon might offer.

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