Can you get a free credit 'score' report?
443668
Please note that the freecreditreport.com does NOT give you a free report....you have to first sign a membership agreement.  Then you get one free month of reports...then you have to call and cancel your membership. \n\nIt's the same with with many of those "free" sites.\n\nNow, you can go there and play those games, or you can go to the link below.  This is the official government site where you can get FREE reports, no gimmicks or games.  \n\nI'm just amazed that so many people continue to post freecreditreport.com \n\nCUT IT OUT!!
56633
You should be able to get your annual free report here  --> https://www.annualcreditreport.com/cra/helpfaq#oftenrequest\n\nThis is a good overall site for credit information\nhttp://www.privacyrights.org/fs/fs6-crdt.htm
840424
you can get 1 free report from the bank annually. it costs no money and your score will not change\n\nif you do more then 1, it may drop by a few points, nothing major though
398208
DON'T use freecreditreport.com - it's a bit of scam. \n\nUnder the FACT Act amendments to the Fair Credit Reporting Act, you are entitled to one free Personal Credit Report in a 12 month period\n\nUse: http://www.annualcreditreport.com.\n\nUPDATE: \n\nBy the way, thanks to Mrs. Thang and Credit Guru for echoing my comments above. There is some bad info in Credit Guru’s answer that I must address. Going to any of the credit reporting company's websites or myfico.com and ordering and paying for what they represent as your credit "score" is another scam the bureaus are using just to get money from you. I have had customers sit at a computer in my office and purchase this report "WITH SCORE" and 3 minutes later, pull a tri-merge credit report for mortgage purposes (what anyone who is going to evaluate your credit is going to do) and the numbers were SIGNIFICANTLY different (in most cases, lower). If you read the fine print in the scored report that they give you, they tell you that the "model used to deliver the score to you [the consumer] may be different than the scoring model given to a company evaluation your credit worthiness." \n\nAND... since each credit bureau has a patent on their credit scoring formulas, they are not legally obligated to disclose to anyone exactly how they came up with the score (nice, huh?). The only information that credit bureaus are required to disclose to you the consumer under the provisions of the Fair Credit Reporting Act is the information REPORTED TO THEM BY CREDITORS (in other words, they are required to tell you [the consumer] that "Chase Visa (or whoever)" is reporting a balance of $xxx, a payment of $yyy and that you've been late 3 times in the last year. They are, however, not required to disclose to the consumer THIER (the credit bureau’s) OPINION OF YOUR CREDIT WORTINESS (as represent by the score they report to the creditor)). \n\nThere is hope though. If you REALLY want to know what your credit score is, go see a mortgage broker and apply for a loan (Applying for a mortgage in no way obligates you to take a mortgage). As a professional courtesy, it’d be nice for you to disclose that “even though you are applying or a mortgage, you’re mostly just interested in your score and may change your mind about the mortgage once you see your credit report.”\n\nThanks to recent changes in the Fair Credit Reporting Act, creditors (ie: the mortgage broker you went to see) who pull your credit for evaluation are no longer prohibited from showing you what they found (which was a shady part of the law in the first place if you ask me!). In fact, we're REQUIRED to disclose to you EXACTLY what your scores are and the range of scores for each repository reported (as well as a lot of other valuable information). This will be your score as creditors see it and THE only accurate representation of how you're being represented by the bureaus to the creditors. \n\nThese are facts and are accurate based upon my experience of helping hundreds of consumers fix their credit and qualify for mortgages. \n\nSorry it's so long but the truth needed to be told.
15862
There are, but I would advise some caution.  One site is www.creditexpert.com which is run and operated by Experian.  You sign up online and give them your credit card number and personal information, try out a credit monitoring service designed to help prevent identity theft, and in return receive a free credit report and credit score.  The only problem is that you must cancel the service before the free trial ends (usually 30 days).  If you forget, they charge your credit card automatically for 1 year of credit monitoring service.  Also, to cancel the service you have to call the company and wait on hold around 15-20 minutes.  I would actually recommend getting a free copy of your credit report from www.annualcreditreport.com and then paying only around $5 extra for your credit score per credit bureau.
1127961
The most likely site is freecreditreport.com which offers all three reports and scores for a monthly fee. The price really depends on the product you choose and the "free" part is that your first report is free if you get the three in one credit monitoring service. Good Luck.
887505
yes absolutely. a credit report doesn't have anything to do with a credit card, although once you get a credit card it will track your usage of the card. just go to freecreditreport.com. all you need is your social security number and other basic info.
945557
You entitled to an annual report for free from all three credit bureaus.\n\nwww.annualcreditreport.com
233109
Try freecreditreport.com.
31875
A real free credit report without having to sign up for anything is http://www.annualcreditreport.com
418233
You can request a copy of your credit report once a year including your "credit score", but you must ask for it. Supposedly you can get them from www.freecreditreport.com. I don't recall, but I believe when I checked into it for myself they wanted to charge a $1.00 fee to a credit card for the service and later they would refund it if I could proove that it was my first request for that year. Their web site was a pain to navigate about 6-8 months ago...Maybe they fixed it by now?\n\nOtherwise for free if you are ever turned down for any credit line or credit card, contact the three main credit reporting agencies (that I will list below). They will be happy to send you a free once yearly report, but you will most likely have to pay a modest fee, (about $7.95 or so), to get a request for your optional credit score. \n\nWhat is your credit score? It is called a F.I.C.O. (Sorry I forget what it stands for exactly), score and lists your overall credit worthiness. The credit reporting sites below will have more info on this also. The scores are like 320 for poor credit worthiness, on up to 800 for very good credit. Basically a numerical scale rating how good you are at paying your debts on time and such.
493359
https://www.annualcreditreport.com/cra/index.jsp is the official site for requesting your annual free credit report.
439554
you can get a free credit report once a year from all of the credit reporting agencies though you will have to pay if you want your actual score.
1146357
No. You can read about what drives your score here: http://www.myfico.com/
508842
Your three credit REPORTS you can get free once a year at the site below.  Your credit SCORE will cost you, usually around $10.  I believe there is an option to  pay for your score when you get your free report.\n\nBTW - if you are getting your free reports at the free site from the three agencies, get them one at a time, every four months.  That way, you can keep close tabs on your report without having to pay for a "credit watch" subscription.
343417
AnnualCreditReport.com\n\nYou are entitled to a copy of your credit report once/year\n\nyou can obtain your actual FICO score at  www.myfico.com
145733
You can get a free credit report and score at www.annualcreditreport.com once a year. Most places don't usually give scores, just the credit report, but Experian usually does.