June 4th, 2015
Many sites out there that allow you to pull your credit report and score from one or all three of the credit reporting bureaus. While you should check your credit report annually, you need to understand this doesn’t include your credit score. But you can at least look for mistakes which do happen and get them fixed which will increase your score. You can get your free report Annual Credit Report.
By law, you’re entitled to a free copy of your credit report on file once a year. There are three credit reporting agencies
Evaluating a credit score a very complicated process. When you see a site offering a free credit score, keep in mind that it may not be the same credit score seen by lenders. What you usually are getting is an estimate based upon your credit report, and not a true snapshot. San Jose based FICO is the first U.S. credit scoring company, and it is their score that tends to be the gold standard. Each credit reporting agency uses FICO differently which is why your score is different if you had pulled it separately from each bureau.
Often, sites are trying to get you to sign up for a monitoring service, and they have a free trial period. If you cancel before the end, you will get your score for free.