Government free credit score
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How can I obtain my government free credit score? I just logged to annualcreditreport.com for the first time and pulled my free government credit report. I got all three of them, but I can’t find my 3 free credit scores.
Did I do something wrong? Or does this mean that I don’t have a score yet?Any help is appreciated.
There is no such thing as Government free credit score
I’m always surprised again at the number of people that confuse between credit reports to credit scores.
According to the FACT Act, which is the government regulation enacted to regulate the credit reporting business, you are entitled for a free copy or your credit report annually. This does NOT include a free credit score. Although your credit score must be provided to you upon request – this service is not free.
If you Google “free credit score” you will get many results with companies offering “free” credit scores and credit monitoring. Don’t fall for them. It’s never free. At most – it’s a 7 days free trial, but you can’t enroll without supplying them your credit card details. You may or may not (I’ve never tried them myself) get the free trial, but then you forget or run into trouble canceling and the service automatically converts to one you need to pay for, usually $15 – $25 a month.
There are other ways to get free fico credit score. Your bank or your credit company may give it for free as part of their financial services. I get a totally free credit score both from my bank and my credit card company. I’m self employed so maybe they give it only to people with substantial account activity only. I’m not sure about it, so inquire with your bank.
Another very good option I can recommend to you is Credit Karma. They offer completely free credit score, credit monitoring and a fico calculator. It is based on your credit file from TransUnion, and the score they offer is the TransUnion’s version of FICO. It’s very close to your FICO score, and people report that it’s much correlated to it as well.
Quizzle also gives away free credit scores. I’m not sure how good they are. Google it and look for reviews.
See free-annual-credit-score.html and free-fico-credit-score.html for more information.
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