How to get a free credit score and report without monthly payments?
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Is there a way to get a free credit score without giving away your credit card and subscribing to a monthly payment service?
Reports are free by law. Scores cost money.
Under federal law, you are entitled to get your reports for free (once every 12 months) from http://www.annualcreditreport.com. You can get a free annual credit report from each of the 3 major credit bureaus. It’s is a free service, mandated by the government and you don’t need to provide your credit card details (See free-government-credit-report.html for more details).
Credit scores is a different story. It’s a product, and as such it cost money. The only score lenders use if Fico.
The only place consumers can purchase real FICO scores is MyFico.com. One time purchase cost around $20. Third party monitoring services use Fakko scores. All three credit bureaus now sell consumers non-FICO scores that are on a different scales. There is no comparing these scores and they are practically worthless.
CreditKarma.com offers a free score estimator based on your TransUnion credit report. It is not “Real” FICO but within 50 points or so and very correlated. Good enough if you are just curious about your score.
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