It’s just three numbers, but your credit score is consequential.

Credit scores are used as a measurement for credit worthiness, a primary screening tool for lenders and credit card companies.

Now more than ever, as many consumers lean on government aid and forbearance measures for assistance, it’s particularly important to monitor your credit.

Good news is that it’s easy to do and will provide insights that will guide your decisions as a credit user so you can make the most out of your financial resources.

Here are five easy ways to check in on your credit score.

Free websites, and each offer free credit reports.

Be aware for intimidators, however, that ask for sensitive information such as your credit card number. This request is likely connected to a subscription service that will regularly monitor your accounts.

If it’s a trial basis program, be sure to cancel in time to avoid subscription charges.
Using information from the major credit raters, Equifax, Experian and TransUnion, allows you to access your FICO score.

This hasn’t always been the case.

For several years, consumers did not have access to FICO scores, which are the gold standard for measuring credit worthiness.

Equifax, Experian, TransUnion
Either of the major credit bureaus can provide a picture of your credit standing. Each company has its own credit scoring model, so your score may vary slightly among the three.

Individual or 3-in-1 credit summaries can be purchased.

Your credit card statement
Depending on which credit cards you use, you may have access to FICO scores.

Some credit card companies are partnering to gain access to a FICO service that allows customers to see their credit rating.

Discover, Barclaycard and First National Bank are participating in the program.

Viewing your score is as easy as reviewing your monthly statements.

When you apply for credit
Lenders and creditors must send applicants a copy of the credit score they used. Even if they decide to deny your application, the copy of the credit score will be passed on to you.

Some companies also use the report to approve applicants through a modified decision, as well.