how can i find out my credit score for free without having to enroll in any program?
445655
You are asking 2 questions.\n\n1) You can get all 3 of your credit reports free at www.annualcreditreport.com. This site was set up to comply with a law passed in 2004 to give consumers free access to their credit reports once a year.\n\n2) The only place you can get your FICO credit scores-the real scores that lenders use-is at www.myfico.com/12. It's not free and will cost $45.00 but you will get all 3 FICO scores plus the top 4 reasons as to why your scores aren't higher. Equifax sells a FICO score for about $8.00, but that is just one credit bureau.\n\nGood Luck
243968
Here's some more good advice from Credit Guru...(my hero!)\n\nThere are no places that offer free credit scores.  You will have to pay for them.\n\nThe sad part is that each of the credit reporting agencies have slightly differant systems of calculating them.  \n\nIf you go to the site that developed the FICO scoring system, they have a calculator that will estimate what your score is.  It's free but won't be totally accurate.\n\nOr, at the same site and for $49.95, you can get the credit score for all three agencies.  \n\nThe nice thing about this site is not only will you get your credit score, but it will also show you the reasons it's low and how you can improve it.  I guess that's worth the high price tag.\n\nGo to the site, read up, and make a more educated decision of what you want to do.
289213
The ONLY place you should get your free credit report from is  annualcreditreport.com.  I did it recently and they do not ask for a credit card.  This is in accordance with the Federal Trade Commission (see link below).
1095697
www.myfreecreditscore.com   I think this one is really free, don't forget most states allow 1 every 12 months Free.  Also if you have been turned down  for credit you get a free copy
501440
You went to the wrong source.Go to www.annualcreditreport.com  Your credit report from all three reporting agenies is free but your credit score is not.
1117805
Your are entitled to a free report each year.  A web search will lead you to the annual credit report site.  Also look at the transunion website.  all you have to do is fill out your info and there is a box asking you if you believe you are a victim of fraud.  click on yes and it's free.  However these free reports do not give you your credit score.
77661
Annualcreditreport is the best free credit report.\nYou can click on the link below, and find out for yourself.\n\nhttps://www.annualcreditreport.com/cra/errorState?currState=&ion=&date=&from=landing
316299
www.annualcreditreport.com\n\nonce a year, you can get it free, by state!
831525
Try annualcreditreport.com
14055
http://www.annualcreditreport.com/\n\nPlease read the information at:\nhttp://www.ftc.gov/bcp/conline/edcams/freereports/index.html\n\nWhich includes the following text:\nImportant information from the Federal Trade Commission, the nation’s consumer protection agency: annualcreditreport.com is the ONLY authorized online source for you to get a free credit report under federal law. You can get a free report from each of the three national credit reporting companies every 12 months. Some other sites claim to offer "free" credit reports, but may charge you for another product if you accept a "free" report.
1039002
credit report program
373212
You can request one by going to this site.  You are allowed one free credit report check each year.
185160
As mentioned above, go to www.annualcreditreport.com.\n\nThis site was set up last year in response to a new law that forces the 3 credit agencies to supply you with a FREE yearly credit report.  It's fairly automated and easy to use.\n\nYou can either download your reports and view/print them while on-line, or get info on calling a toll-free number or mailing for them.  \n\nEither way, it's free and easy.  Go to the link and get more info.
290115
There is a place to get a completely free credit report. \nhttps://www.annualcreditreport.com/cra/index.jsp\nYou pay for nothing unless you want to look at your score. You dont even have to enter a credit card number. Also don't check your credit report every 4 months as another user suggested. Too many inquiries will lower your score.
1072886
Go to any of the Credit Reporting sites Directly (Experian, TRW, etc). Somewhere there will be a tab for your Free Annual Credit Report. Follow the directions. You do NOT need a credit card. They will ask you some very detailed questions about You...Name, D.O.B. Soc Sec #, etc.
528858
You can get your free credit report (no fees, catches or anything) from http://www.annualcreditreport.com\n\nCurrently the law does not require them to give you a free credit score.  YOu need to pay for that.  Many places offer yo a score, but it's not the FICO score that most lenders request.  To get that, you need to visit http://www.myfico.com\n\nYou should be able to get a bank account, just keep checking around.
587696
You can sign up with Equifax and Experian and get a full credit report