Getting Your Free Credit Score Report

Want to check your free credit score report? If so, you’re about to learn many ways to get yours. But let’s have a look at the basic first.

Your credit score indicates your creditworthiness. The precise formula for calculating credit score is not clearly understood. But factors such as debt, payment history, new extensions of credit, and types of credit lines that you hold will affect your credit rating.

A lender may check your credit rating to determine the approval and the cost of your loan. They will check your score to learn how likely you’ll repay your debt. Also, because your score is determined based on your credit report, any error in it could affect your score.

For that reason, you will want to monitor your credit report and credit score regularly to keep track of any adverse changes that could lower down the score. But here is the thing that confuses us.

Can we get our FICO score for free, like the way we get our yearly free credit report?

Facts About Your Free Credit Score Reports

Free credit scores are not information that you can get for free like your free annual credit reports.

Take a look at these ads: “Get a 3-in-1 free credit report and score delivered instantly online” or even “Get your free credit report and score with a 30-day trial”.

What do those ads mean? And what do you actually get?

Fact is you can do credit score report check gratis but only for very limited time. Once the trial period ends you have to pay for the membership fee.

Some reputable providers will warn you the offer is not related to the free credit report that you are entitled to under the law. But all services require you to provide credit card information, which means you have to pay for their service if you don’t cancel it after the trial period is over.

Where to Get Your Free Credit Score

Obtaining a free credit score is not the same as ordering a free annual credit report. Under the Fair Credit Reporting Act (FCRA) you can get free credit reports once a year at However, the free credit report doesn’t include your credit score.

The 3 credit reporting agencies will charge you a small fee when you order a copy of your credit rating. However, some companies are confusing consumers by offering them a free credit report and score that are not part of the mandated free annual credit report program.

These credit report services actually provide credit score information and advice for improving it for a fee. You can check your free FICO score but you need to sign up for free trial period with a credit card.

And the right place to get the your credit score is myFICO. This is especially true if you’re looking to get a loan because the majority of top lenders use FICO® Scores.

Get Your Free Credit Score Without a Credit Card

Still want to obtain a free credit score with no credit card or trial? An estimated credit score is a good option, if you don’t have a budget or there is no need to know your exact score.

And the best website to get rough estimation about your credit rating, again, is myFICO.

There are other places for you to get an idea about your credit score, like or Credit Karma. But you’ll waste your time because their score is significantly different than your actual FICO score. Why?

MyFICO is the company that invented the FICO score formula. Also, according to their claim, 90% of top lenders use FICO® Scores. So anytime you want to get a loan approval from your lender make sure you know your credit profile first with FICO scores.

free credit score

Getting Your Free Credit Score Report was last modified: March 24th, 2015 by Paul Sarwana