How to get free credit score?

The Fair Credit Reporting Act states that you can know about how to get free credit score from all the credit reporting agencies once in a year. As per Section 15 USC 1681j (a), you can call, eMail or go online to get your free credit score. It is fairly easy to get your credit score. The credit score is obtained from your credit report. is the official website that has been established by the big three credit bureaus. The site is easy to use. You can request your credit reports online from TransUnion, Experian and Equifax. The credit score that is reflected on your credit report may have errors often.

The Value of knowing how to get free Credit Score

A credit score is akin to an adult report card. Credit scores will let the banks, mortgage companies, landlords and utility companies to assess your payment history with your lines of credit. By getting your credit score for free, you can see how your credit issuers assess your payment behavior. Since the time the Fair Credit Reporting Act has been passed as law, the credit reporting bureaus have been mandated to offer the means to get a free credit report to all consumers. Being able to get your credit score for free once a year from each bureau helps you to keep a check on your credit status.

The interest rate on loans will tend to be lower if your credit score is high. It is better to check your credit score before you make any major credit purchase like a house or a car. The information included on a credit report is important. The credit bureaus have collaborated to observe the Fair Credit Reporting Act and have set up means to get a credit report easily.

It is important for you to check all three of your credit scores. Creditors are able to check credit scores from any credit bureau they feel like when they assess a loan application and you will not know which credit scores they are likely to use when they make a decision on your loan request.

How to get free Credit Score at

This website was established to give all the consumers an access to a free credit report from each of the three major credit reporting agencies every year. This has happened through the Fair and Accurate Credit Transactions Act that was passed by the United States Congress in 2003. This Act applies only to free credit reports and not free credit scores. It is better to keep the information on the credit history report updated. You have to protect your credit report from hackers who are looking out to steal your identity.

How to get free credit score from other sites?

You will only be able to access credit reports for free and may have to pay for the credit scores from the official website. You have several options. You can either purchase a credit score from each credit bureau or you can opt for an offer from sites such as `Freescore’, `CreditSesame’ or `CreditKarma’.

‘Freescore’ offers to access all your credit scores for free as a trial membership package. will offer a free credit score and a summary of the data on your Experian credit report. The score you get is the Experian National Equivalency Score. It may be very close to the range of the FICO score which is quite familiar to many consumers. This company makes money by advertising the loan products like first mortgages and auto loans. It makes money when a customer closes a loan with one of the company’s lending partners. provides the TransUnion credit score as a lead generation website by guiding the traffic to several lending partners where you can apply for mortgages and credit cards.

You can save much money in a year, therefore, by knowing how to get free credit score.