Comments on: Reader Question: How do I get my FICO score for free? http://www.nextadvisor.com/blog/2008/04/11/reader-question-how-do-i-get-my-fico-score-for-free/ Daily resource for independent consumer information and service reviews Tue, 16 Mar 2010 16:41:53 -0700 http://wordpress.org/?v=2.9.1 hourly 1 By: NextAdvisor.com Resources » Blog Archive » Credit Report Resources http://www.nextadvisor.com/blog/2008/04/11/reader-question-how-do-i-get-my-fico-score-for-free/comment-page-1/#comment-28976 NextAdvisor.com Resources » Blog Archive » Credit Report Resources Mon, 18 Aug 2008 21:03:52 +0000 http://www.nextadvisor.com/blog/2008/04/11/reader-question-how-do-i-get-my-fico-score-for-free/#comment-28976 [...] Reader Question: How do I get my FICO score for free? [...] [...] Reader Question: How do I get my FICO score for free? [...]

]]> By: Bill http://www.nextadvisor.com/blog/2008/04/11/reader-question-how-do-i-get-my-fico-score-for-free/comment-page-1/#comment-15480 Bill Tue, 20 May 2008 19:03:31 +0000 http://www.nextadvisor.com/blog/2008/04/11/reader-question-how-do-i-get-my-fico-score-for-free/#comment-15480 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. 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.

]]> By: Joe Fahrner http://www.nextadvisor.com/blog/2008/04/11/reader-question-how-do-i-get-my-fico-score-for-free/comment-page-1/#comment-4714 Joe Fahrner Tue, 22 Apr 2008 01:11:55 +0000 http://www.nextadvisor.com/blog/2008/04/11/reader-question-how-do-i-get-my-fico-score-for-free/#comment-4714 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 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

]]> By: Peter Johnson http://www.nextadvisor.com/blog/2008/04/11/reader-question-how-do-i-get-my-fico-score-for-free/comment-page-1/#comment-4712 Peter Johnson Tue, 22 Apr 2008 01:03:29 +0000 http://www.nextadvisor.com/blog/2008/04/11/reader-question-how-do-i-get-my-fico-score-for-free/#comment-4712 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? 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?

]]> By: » Reader Question: How do I get my FICO score for free? Credit Score on Credit Speak: Find Info, News and More on Credit Score http://www.nextadvisor.com/blog/2008/04/11/reader-question-how-do-i-get-my-fico-score-for-free/comment-page-1/#comment-1793 » Reader Question: How do I get my FICO score for free? Credit Score on Credit Speak: Find Info, News and More on Credit Score Fri, 11 Apr 2008 17:58:46 +0000 http://www.nextadvisor.com/blog/2008/04/11/reader-question-how-do-i-get-my-fico-score-for-free/#comment-1793 [...] 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 … [...] [...] 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 … [...]

]]> By: Free Credit Reports on Credit Speak » Reader Question: How do I get my FICO score for free? http://www.nextadvisor.com/blog/2008/04/11/reader-question-how-do-i-get-my-fico-score-for-free/comment-page-1/#comment-1787 Free Credit Reports on Credit Speak » Reader Question: How do I get my FICO score for free? Fri, 11 Apr 2008 17:40:40 +0000 http://www.nextadvisor.com/blog/2008/04/11/reader-question-how-do-i-get-my-fico-score-for-free/#comment-1787 [...] 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 … [...] [...] 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 … [...]

]]> By: Many Credit Card Options » Blog Archive » Reader Question: How do I get my FICO score for free? http://www.nextadvisor.com/blog/2008/04/11/reader-question-how-do-i-get-my-fico-score-for-free/comment-page-1/#comment-1786 Many Credit Card Options » Blog Archive » Reader Question: How do I get my FICO score for free? Fri, 11 Apr 2008 17:38:22 +0000 http://www.nextadvisor.com/blog/2008/04/11/reader-question-how-do-i-get-my-fico-score-for-free/#comment-1786 [...] Read the rest of this great post here [...] [...] Read the rest of this great post here [...]

]]>