To check your credit score for free and understand the report, you can follow these steps:

1. Start by visiting a reputable website that offers free credit score checks, such as Credit Karma, Credit Sesame, or AnnualCreditReport.com.
2. Sign up for an account on the website and provide the necessary personal information to verify your identity.
3. Once your identity is confirmed, you can access your credit score and credit report for free.
4. Review your credit report carefully to understand the factors that are affecting your credit score. Look for any errors or discrepancies that may be impacting your score.
5. Pay attention to the different sections of your credit report, including your payment history, credit utilization, length of credit history, new credit inquiries, and types of credit used.
6. Use the information from your credit report to identify areas for improvement and take steps to address any negative factors that may be impacting your credit score.

It's important to regularly check your credit score and review your credit report to ensure that all the information is accurate and up to date. Understanding your credit report can help you make informed decisions to improve your credit score over time.

References:

• Credit Karma
• Credit Sesame
• AnnualCreditReport.com