Free credit score is a major search term on Internet search engines. And that is about the only reality that exists for honest people. There is no such thing as a free credit score.
But, my goodness, there are thousands of websites that entice you with those words. And, yes, you can steal your credit score. You simply sign up for a 7-day trial subscription and, then, jump through the necessary hoops to cancel your purchase before you are actually charged anything.
In the meantime, you have seen, perhaps, one of your credit scores. Just sign up for enough trial offers, jump through enough hoops, and you'll have a glimpse at your credit scores.
Before you become a dishonest person, however, let's take a look at what you are really getting. You are actually getting a score for one day in your life because credit scores are moving targets. They change as you pay bills, add to existing credit, get new credit, even apply for new credit.
You can find more information about how credit scores are calulated by reading our article, Credit Report Score Chart.
Peggy Twohig, Assistant Director for Financial Practices in the Federal Trade Commission Bureau of Consumer Protection, testified at Congressional hearings in 2000. Testimony included words each of us need to know.
"It is important for consumers to understand that they have not been simply assigned one, universal credit score based on information contained in their credit report. Credit scores are sometimes based only on information in a credit report, and sometimes based on additional information, such as credit application data. Credit scores may be used not only to determine whether a consumer qualifies for a particular product, but also to assess what price a consumer will pay for the loan - a practice commonly known as risk-based pricing."
You see, there are credit scores, and there are "other" credit scores. There is also the super-secret insurance score used by many insurance companies to determine how much you will pay for your automobile insurance. And, no, you cannot find out what your insurance company score is, at least not yet.
Your Personal Credit Score
You DO need to know what your credit scores are at all three of the major credit bureaus. You DO need to know where you stand in line with the national average. See our article, What Are Good Credit Scores, for more information about credit score rankings in the United States.
If your credit score is less than 850 (the maximum), there is room to improve it. In actuality, however, maintaining your score above 750 should provide the advantage you need in today's financial markets.
Need to improve your score? Making payments on time each month is the most important thing you can do to improve your credit score.
Do you need copies of your three credit reports and all three of your credit scores? For less than $50, you can have them all in one simple location. And it's not just any simply location; it's from the people who invented credit scores in the first place.
You can get your Equifax Credit Report and Credit Score, your Transunion Credit Report and Credit Score, and your Experian Credit Report and Credit Score all right there on one page.
If you are interested in legally obtaining your credit reports and credit scores, please click the link below:
20% off all 3 FICO credit scores
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