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Four Situations When You're Entitled to a Free Credit Score
Acquiring your free credit report is relatively simple: Just remember to visit AnnualCreditReport.com for up to three reports each year, not tricky FreeCreditReport.com.
Unfortunately, getting your free credit score isn't as direct. There are certain little loopholes that can get you a complimentary score, but there also a handful of legitimate circumstances that grant you a free credit score — no slick loopholes required.
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How to Get Your Free Credit Score
We're all eligible to receive three free credit reports every year (one from each of the national credit bureaus), but credit scores typically come at a cost of $15.95 per score. There are some unreliable sites out there that may claim to have access to free credit scores, but generally those sites aren't trustworthy.
MyFICO.com is actually a division of Fair Issac, the company that calculates consumer credit ratings for lenders, and is a legitimate source of credit information.
How to Keep Track of Your Credit For Free
Most lenders use your FICO scores to determine your credit worthiness, but typically it costs you money to retrieve your own score. You have three FICO scores (one from each major credit bureau) based on the information each bureau keeps on file about you. If you don't want to shell out cash every time you have the urge to check your score, there's a solution for you.
Ask Savvy: Should I Transfer My Debt Balance to a 0% Card?
Dear Savvy,
I have two credit cards with high interest. Should I pay them off with my one card that has zero percent interest to reduce paying over $750 annually in finance charges?
Savvy says: I'm assuming by "paying them off" you mean transfer your existing balances to an introductory rate, zero percent card.
Obama Lays Down the Law on Free Credit Report Ads
The original jingles for FreeCreditReport.com couldn't save the website from getting scrutinized by the law. The credit card reform bill signals a score of changes for the credit card industry and more, as demonstrated by the action taken against the scammy credit report site.
Notoriously, FreeCreditReport.com advertised its ironically named service through commercials that led consumers to believe credit reports ordered on the site were actually free.
Ask Savvy: Why Was My Credit Card Application Denied? Part II
Dear Savvy,
I'm new at this credit thing and I'm not sure when or why I should check my credit report. I have never had a credit card (still don't) but I got denied for one a few weeks ago and I don't know why. Does checking my credit report worsen my credit score?
Savvy Solution: Boost Your Credit Score High Enough to Get a Loan
Most mortgage news over the past months have conveyed that lenders are moving from one extreme to another in their loan approval process. If you're thinking about applying for a loan any time in the near future, you should be on top of your credit score and taking steps to polish it for the lender's desk. Not only do you want to be approved for a loan, but you want one with lowest interest rates possible.
How Often Credit Scores Are Updated
Many of you have been diligently paying off your credit cards, and you've been getting a little antsy about when your hard work will be reflected by your credit scores. Since it's not free to get your credit score you don't want to be wasting your money checking it every other week — that's money you could use towards paying down your debt, and there's nothing I hate more than being counterproductive! To see how often you can check you score without it being a waste of time and money just read more
TransUnion Class Action Suit: Free Credit Monitoring Eligibility
TransUnion, one of the three national credit bureaus, has settled a class action lawsuit with winning terms for credit holding consumers. If you had any open lines of credit from January 1, 1987 until May 28, 2008 you are eligible to receive free 24-hour credit monitoring from TransUnion for up to nine months. Find out what the free service includes and how to file a claim when you read more
Savvy ATM: Checking Your Credit Score
Most of you have probably seen those commercials with the red-haired dude saying, "I'm thinking of a number, can you guess what it is? It's 720!" He's referring to his credit score and advertising an online service that allows you to request three free credit reports each year.
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