Do you know your credit score? If you’re looking to finance a home, car, or any other expense, your credit is the deciding factor in whether or not you get the funding you need – as well as determine the loan interest rate. Your credit score is a very important number. But unlike your annual credit reports, you have to pay a fee to see your credit SCORES.
But not to worry. By using the offers below, you can see one or all of your 3 credit scores for FREE! Equifax, Experian, and TransUnion scores. There’s no initial cost to you and, in most cases, you can view both your report AND score. There’s no long forms to fill out either. Just provide a few basic pieces of information and you’ll have access to your credit score in a few moments. View Your 3 Credit Scores For FREE Right Now!
|Name||Rating||Credit Scores You’ll See||Credit Bureaus Monitored||Trial Period||Benefits|
|1 Credit Score||1 Credit Bureau||No Limit||Free Credit Score. No Credit Card Required. Free Credit Monitoring.|
|TransUnion Credit Score||TransUnion
|7-day||Free Credit Score + $1 Credit Report. and 3 Bureau Monitoring.|
|1 Credit Score||TransUnion
|7-day||Free Credit Score and 3 Bureau Monitoring.|
|See Offer||1 Credit Score||TransUnion
|7-day||Free Credit Score and 3 Bureau Monitoring.|
These days, your credit score is the single biggest factor in getting a loan, credit card, home financing, and more. Furthermore, potential landlords and employers will also check your score to see how trustworthy and reliable you are when it comes to paying your debts and bills in a timely manner. Bad credit can keep you from getting a loan, job, or even a place to live. Don’t miss this opportunity to get your 3 credit scores for free from the major credit reporting agencies.
Even if you believe yourself to have good credit, identity theft is running rampant in this day and age. It is important to check your 3 credit scores from time to time to make sure nobody is illegally using your identity to tarnish your good credit. The sooner you can catch potential fraud in your credit report, the easier it is to correct and fix.
Why are these free credit score offers so popular?
Once every year, you may request a free credit report from the US government. It is your right as a citizen to have yearly free access to your credit report. However, the government doesn’t provide your credit score, only a quick summary of what is contained in your report. This is definitely a problem because your score is what most lenders are looking at. It’s the single number that pretty much determines whether or not you will be able to secure that loan or sign that lease.
These credit score offers above are popular with consumers because they provide not only your credit report, but also your score. Sure, you could spend your time going to each of the credit reporting agencies (Experian, Equifax, and TransUnion) one by one and filling out their long applications and paying their fees – or you could simply take advantage of the companies listed above to get access to your 3 credit scores instantly, easily, and for free.
Why do these companies give this information out for free?
These credit offer companies provide their services and let you view your credit score for free so that you can check out their premium services prior to buying potential credit monitoring/identity theft prevention services from them. Of course, buying these additional services is highly recommended to ensure your credit report is clean of fraud, but it is not necessary to view your 3 credit scores. Any of the companies above will allow you to view your credit score free and without hassle.
Which offer is the best?
There really is no “best”. It simply varies by your needs. Some credit offers will allow you to view reports from all 3 agencies (Experian, Equifax, and TransUnion) while some are only able to provide your score from 1 agency. Some offer additional credit monitoring services, and some may even provide identity theft protection. If you still can’t make a choice after reviewing our comparison chart above, our reviews should help you decide which offer to go with:
If you have any additional questions about your credit report or score, our FAQ below should help to answer all your questions.
Your overall score is determined by the 3 major reporting agencies. This includes Equifax, Experian, and TransUnion. Each company determines your score in a different way so it is highly important to monitor all 3 credit scores. In all cases though, your score depends on whether or not you pay your bills on time, whether you owe back taxes, and how many open accounts (credit cards, loans, etc) you currently have. Most lenders report to all 3 agencies.
With identity theft and fraud on the rise, it is important to monitor your credit to keep it clean. If your personal information gets stolen, which is surprisingly common these days, your credit can become tarnished with unpaid bills, charges, debt, and more. The earlier you catch fraud in action, the easier it is to fix with the 3 major credit agencies. Additionally, sometimes human error happens when lenders are reporting your activity to these agencies.
In most cases, your credit score is a number that is unique to you. However, in some cases such as joint accounts or adding your spouse as an authorized user of your credit card, your credit score can be affected by a spouse.
In most cases, lenders report a payment made or payment missed within 30 days. However, most lenders will send you a warning on any late payments before they report to the major credit agencies.
According to the Fair Credit Reporting Act (FCRA), most accurate negative information is kept on your credit for up to 7 years. Tax liens can remain for about 15 years, and bankruptcy stays on your credit for 10 years. For most debt, the general rule of thumb is 7 years. For more accurate information about your particular situation, it would be best to contact a tax lawyer directly for advice.
If you catch an error on your credit report due to fraud, human error, or other – there are two acceptable ways to dispute it. Contact the lender that reported the error, or contact the credit agency (Equifax, Experian, TransUnion) directly. Whatever you decide, all disputes are best handled via mail. Be sure to include any proof or evidence to back up your claim. Additionally, credit monitoring services may be able to help you dispute claims by negotiating directly with the lender or credit agency directly.
For most debts, negative marks remain on your credit for 7 years. After this time has passed, the debt can no longer be reported to agencies. However, you are still required to pay any money owed to your lenders and they can still request payment for as long as the money is owed. Some companies will just chalk it up a loss in return for owing the government less money due to your default, however many will still attempt to collect. You are still required to pay your debts even if it can’t be reported to agencies anymore.
You can dispute any activity on your credit that you didn’t authorize such as accounts opened in your name, fraudulent charges and debts that you are not responsible for, incorrect address and personal information, etc. Basically anything you feel is an error is open for a dispute. When making a dispute it is in your best interest to have evidence and data to back up your claims.
When first signing up with a credit monitoring service, you may be surprised at the sheer amount of information they are requesting. This is simply a security precaution to ensure that you are actually who you claim you are. This information is always kept confidential. The cost varies by service, but it is always a reasonable amount and helps put your mind at ease knowing that your credit is being watched and monitored by companies who want to protect your best interests.
You will receive an alert when any activity occurs that can affect your credit. This can include taking out a loan, opening an account using your personal information, etc. If the activity is fraudulent, you will be able to correct the situation almost immediately and retain your good standing with the 3 major credit agencies.
Some worry that constant checking of their credit report will hurt their credit. Signing up with a credit monitoring company will in no way affect your credit in a negative way. It is a responsible way to keep a watch over your 3 credit scores and credit agencies will not fault you when a monitoring company accesses your credit for potential fraud.
When you have less than perfect credit, it might be difficult to obtain a low interest personal loan from your local bank. But this is one of the ways people use to consolidate their high interest rate credit card payments. Credit card debt consolidation doesn’t have to be a difficult process.