Identity Guard

Bottom line: All 3 credit scores free; most comprehensive & best overall service; 25% discount & free 30-day trial
PrivacyGuard

Bottom line: All 3 credit scores for $1; monthly credit score & report updates plus other benefits; 30-day trial for $1
Trusted ID

Bottom line: All 3 credit scores free; great value, especially for families; free 14-day trial
Equifax Complete Advantage

Bottom line: All 3 scores plus excellent 3-bureau monitoring and ongoing Equifax score updates; no free trial
ProtectMyID.com

Bottom line: Cheapest monthly price to monitor all 3 credit reports, but no scores
LifeLock Credit Score Manager

Bottom line: 3-bureau credit monitoring & one-time 3-bureau credit scores; updates TransUnion score monthly
ID Protect Premium from American Express

Bottom line: 3 bureau monitoring and one-time 3-bureau credit reports available upon enrollment but doesn't include credit scores
CreditCheck Total

Bottom line: Monthly 3-bureau credit score updates; $1 7-day trial; a bit expensive
Equifax Score Watch

Bottom line: Only monitors Equifax report; two Equifax FICO® Score reports annually plus updated score whenever it changes; no free trial
CreditReport.com

Bottom line: 3-bureau monitoring; bi-monthly Experian score updates; free 7-day trial
True Credit 3-Bureau

Bottom line: Only monitors TransUnion credit report; unlimited TransUnion scores; free 7-day trial
FreeCreditScore.com

Bottom line: Only monitors Experian report; two updates/mo to your Experian Score; free 7-day trial

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Can I get my credit score(s) without signing up for any other services?

January 10th, 2009 - Posted by Erik

The following post in our Reader Question series is an actual user submitted question. To maintain the integrity of the original question, we do not edit or change reader questions in any way.

Q: Can I get my credit score(s) without signing up for any other services? If so, what would the charge be?

A: Yes, you can get your credit score or scores without signing up for a credit monitoring service, but unlike credit reports, you cannot get your score for free unless you sign up for a credit monitoring service. If you are going to buy your credit score, we recommend buying FICO scores, since those are the type of credit scores more lenders use. You can buy all three of your FICO scores (one from each bureau) directly from myFICO (the company that creates FICO scores) with FICO Credit Complete. The cost is $47.85. This includes not just all three FICO scores, but also all three credit reports, an explanation of each credit score, and the FICO Simulator, which estimates what your FICO score would be if you took different actions such as paying down credit card debt. If you only want to buy one credit score, you can get FICO Standard instead for $15.95. You can pick the bureau you want the score and report from and get all the other features of FICO Credit Complete, but just for the one bureau. Of course, you can still get all three credit scores for free by signing up for a credit monitoring service. Our top pick, Identity Guard Total Protection, gives you a 30-day free trial where you get all three reports and scores for free, in addition to 3-bureau credit monitoring and a laundry list of other features including free internet security software and public record monitoring. You can cancel during the free trial period and you'll have received the scores for free, or don't cancel and you'll pay $14.95 per month for a combination of credit, internet security and identity theft protection services you'd have to pay much, much for anywhere else.

8 Responses to “Can I get my credit score(s) without signing up for any other services?”

  1. Kenneth Lin Says:

    Actually you can get your credit score for free from both Quizzle.com and CreditKarma.com with no hidden fees.

  2. NextAdvisor Daily » What is my credit score? Says:

    [...] If you don't want to sign up for a free trial and just want to buy your credit scores, read our post answering the question "Can I get my credit score without signing up for any other services?" [...]

  3. Woyengitokoni Ebiobowei Says:

    I am a Nigerian, can i get my credit scores in my country if i sign up?

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