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A person can obtain a credit score by: 1. Checking credit reports: Credit reports from major credit bureaus such as Experian, Equifax, and TransUnion can provide information on a person's credit history and payment behavior. 2. Using free credit score services: Many online platforms and financial institutions offer free credit score monitoring services, usually in exchange for providing personal information. 3. Utilizing credit scoring services: There are various credit scoring services available, such as FICO (Fair Isaac Corporation) and VantageScore, which calculate and provide credit scores based on the information available in credit reports. 4. Applying for credit: When applying for loans or credit cards, lenders often provide the applicant with their credit score as part of the application process. 5. Enrolling in a credit monitoring service: Credit monitoring services continuously monitor a person's credit report and provide regular updates on their credit score. It's important to note that there might be slight differences in credit scores depending on the scoring model used and the credit bureau reporting the information.

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