Posts tagged ‘free credit report gov’

Free 3 Credit Bureau Reports and Scores – Reviews

Free Annual Credit Report vs Free Credit Score Offers

Everyone is entitled to see their free annual credit report once an year from the government. That’s a given. But what’s left out of this equation is your credit SCORE. Problem is, your credit score is in many sense the most important information you want to see concerning your credit. Not just your free credit reports from all 3 bureaus. It determines whether you get approved for unsecured credit cards, mortgage loans, auto loans, personal loans, etc. It also determines your mortgage interest rates. Your credit reports ultimately only serve as the raw data that’s used to compute your SCORES. But you currently do NOT receive your 3 scores for free from free annual credit report. You have to go to each credit bureau and pay full price to see them. Or, you can try out one of these free credit score trial offers below. Many of these trial offers will even include your 3 credit reports as well. That means there’s no need to go thru the lengthy convoluted application process or jump thru hoops like you often have to with the annualcreditreport system in order to see them. Based on customer feedback and other qualities mentioned below (ex: one vs all 3 credit scores received), we rate these as the Top 5 Free Credit Score offers out of the many that you’ll come across on the net. If it’s not on this chart, then it didn’t make the grade.

Free Credit Score Comparison Chart
Name Consumer Ratings Credit Scores You’ll Receive Credit Bureaus Monitored Trial Period Other Benefits
free credit score

All 3 Scores:
Free 7-day Trial Free 3 Credit Scores. 3 Bureau Monitoring

Single Credit Score Experian
Free 7-day Trial Free Credit Score. $1 Credit Report. 3 Bureau Monitoring

Single Credit Score Experian
Free 7-day Trial Free Credit Score. 3 Bureau Monitoring

THIS NOTICE IS REQUIRED BY LAW. Read more at FTC.GOV. You have the right to a free credit report from or 8773228228, the ONLY authorized source under federal law

So why do these trial offers exist?

Simply put? So you can try out their services (credit monitoring or identity theft prevention) and see if you’ll like it. After the free trial period, many individuals will continue with the paid membership because they’ve experienced and liked the benefits of the service. Ofcourse, many will simply cancel the service during the free trial period. But they at least get to see their 3 credit scores for free. (*For detailed price comparison of such credit monitoring services, visit this page for more details on the best credit monitoring service).


ClickFreeScore — Free 3 Credit Scores

A convenient way to see your free credit scores via desktop or mobile. Banks, creditors, loan services, etc look to your credit SCORE to determine your creditworthiness. A nice trial offer. (more details…) — Free Single Credit Score + $1 Credit Report

During the trial period, you get to see your credit score for free. There’s also your credit report for $1. Easy to sign up and FAST! Lot’s of other learning resources, identity theft insurance up to $1,000,000. Lower monthly payments compared to many of the other monitoring services. Personalized Debt Analysis and Credit Trending reports. (more details…)

MyFreeScoreNow — Free Credit Score

Features include Instant Score from one of the credit bureaus. A personalized report of factors affecting your current credit score. Email alerts of significant changes to your credit report. An updated credit score each month. Notice of who is looking at your credit. Worth checking out. (more details…)


Seeing your free credit reports from all 3 bureaus is important. But you also need to see your credit score since that’s ultimately the grade you’re getting about your credit. FWIW, these trial services have learning resources and tips for helping you to raise your credit score as well. By understanding how to raise a score and avoid things that can lower the score, a person can make conscious decisions to improve his or her credit rating. This often means lower interest rate mortgage loans, higher rate of approval for loans, and higher loan amounts. The free credit score seems like a no brainer, but you do need to realize that the majority of them are trial memberships. You do need to cancel the membership before the free trial ends if you choose not to continue with it. compare credit monitoring services best credit monitoring service

Free Annual Credit Report Gov

THIS NOTICE IS REQUIRED BY LAW. Read more at FTC.GOV. You have the right to a free credit report from or 8773228228, the ONLY authorized source under federal law.

Free credit report gov vs no-cost credit history. What’s the difference? Find out right here:
and free annual credit report (
Also, consider what we state re: credit monitoring services vs identification theft protection plans here:
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