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Reader Question: How do I get my FICO score for free?
Posted by Joe on April 11th, 2008
This is a post in our Reader Questions series where we publish actual question from our community. Ask your own question by visiting our contact form.
Q: What is the best way to receive a free FICO score online?
A: The easiest way to receive your FICO score is by signing up for Equifax with Score Power. Since the FICO score is the score most lenders use to make decisions, this is the best score you can get. Equifax actually gives you an entire Score Power report which not only includes your FICO score but also a FICO Score Simulator that estimates what your score would be if you took certain actions, as well as a full explanation of factors affecting your credit score.
When you sign up you will receive your Equifax FICO score and your credit report from all three credit bureaus including Equifax, Experian and TransUnion.
You will also receive a 30 day free trial to the Equifax three bureau credit monitoring service. If you choose to cancel your membership during the free trial you can still keep your FICO score and three bureau credit report free of charge. However, the credit report monitoring service is a great way to stay up-to-date with changes to your credit report and also gives you insight into how lenders view your credit history.
You can sign up for Equifax with Score Power and receive your free Equifax FICO score and three bureau credit report by clicking here.
- Equifax offers free 3-in-1 credit report and 3 bureau credit report monitoring
- Reader Question: Am I entitled to a free credit report each year?
- Reader Question: How much do credit report monitoring services cost?
- I am trying to select the best credit report monitoring service for my needs and have questions. Can I call you?
- What is my fico score?
7 Responses to “Reader Question: How do I get my FICO score for free?”
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April 11th, 2008 at 9:38 am
[...] Read the rest of this great post here [...]
April 11th, 2008 at 9:40 am
[...] Reader Question: How do I get my FICO score for free? You will also receive a 30 day free trial to the Equifax three bureau credit monitoring service. If you choose to cancel your membership during the free trial you can still keep your FICO score and three bureau credit report free of … [...]
April 11th, 2008 at 9:58 am
[...] How do I get my FICO score for free? Posted in April 11th, 2008 by in Uncategorized Reader Question: How do I get my FICO score for free? You will also receive a 30 day free trial to the Equifax three bureau credit monitoring service. Ifyou choose to cancel your membership during the free trial you can still keep your FICO score and three bureau credit report free of … [...]
April 21st, 2008 at 5:03 pm
It is my understanding there is a federal law that entitles me to an annual free credit report. However, any site I go to either requires payment for a one-time report, or subscribing to a "credit-watch" service, with a monthly fee. How am I getting my free credit report? How does this comply to the law?
April 21st, 2008 at 5:11 pm
Hi Peter- thanks for stopping by and leaving a comment. Great question. The law you are referencing is the Fair Credit Reporting Act (FCRA) which entitles each American to one free credit report per year.
The three major US credit bureaus created the site AnnualCreditReport.com (http://www.annualcreditreport.com) to allow consumers to order their free credit report. You can visit that site to learn more information on how to order your free credit report.
Keep in mind that this free credit report that you order from AnnualCreditReport.com will not include information about your credit score. And, because your credit report information is constantly changing, you will not always have access to the most recent information that lenders see.
This is the reason that many consumers opt to purchase a credit report monitoring service that provides access to credit reports and credit scores as well as monitoring of your credit file. Many of this services also offer a free credit report for those consumers that sign for or take a free trial of a credit monitoring service.
Here is one tip- if you sign up for a service that offers a free trial, and most of the best services do, you will get to keep your credit report and credit score even if you cancel your subscription to their service. This is a good way to get the information you are after and get try out credit report monitoring with no risk.
I hope this information is helpful.
Thanks,
Joe
May 20th, 2008 at 11:03 am
I tried this and it showed that I would get a 30 Day Free Trial all the way through to the end, when I had to call and confirm personal information. After I did that I received an email confirmation but no free trial and my credit card had been charged. The Equifax customer support said you should have a promotional code I could give them to get the 30 Day Free Trial. Can you give that to me.
August 18th, 2008 at 2:03 pm
[...] Reader Question: How do I get my FICO score for free? [...]