Wells Fargo offering free credit reports and scores through April 15

Quick! What’s your credit score?

For those who don’t know that critical number, Wells Fargo is again this year offering free credit reports and the accompanying scores to any consumer who wants them through April 15.

The offer is part of a nationwide “Share Your Goals” campaign, which includes a sweepstakes that will award a $500 Wells Fargo Visa card to 12 individuals and a $10,000 grand prize to one person.

The San Francisco-based company said more than 280,000 consumers took the bank up on its offer of free credit reports and scores last October. The majority of American adults — roughly six out of 10 people — haven’t seen their credit report, according to the National Foundation for Credit Counseling.

Wells Fargo said the average credit score for those residing in the Columbus metro area in 2012 was 718, with average debt at just over $30,000. That compares to the U.S. average credit score of 748 and average debt of about $25,500.

— Tony Adams