Is There Such A Thing As A Free Credit Score Online?

By Author: Elliot Elliot
Total Articles: 14
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The answer is no. If you are looking to get a free credit score online, it is going to come with some strings. To understand why, you need to know the law about reviewing your credit standing.

In the 1970's Congress made it possible for consumers to review their credit reports for free. Consumers could access one credit report for free per year. It wasn't until 2003, when Congress passed a law giving consumers the right to see their credit score. The law did not say it had to provided to consumers at no cost, but just that they have the right to see their credit score when they want.

That leads to: there are no such things as a completely free credit score online. There is going to be some strings attached to it. Every offer for a free credit score online is going to come with a free trial. That is you must sign up for a credit monitoring program to get a free credit score online.

Credit monitoring is when a company watches your credit report for any changes. They also provide you will your credit score and credit report. You are allowed to review a certain number of times and some plans ...
... allowed unlimited access. What makes these plans say they are giving you a free online credit score is the credit monitoring has a free trial. These usually range from a week to a month depending on the company or plan. After the trail is over you must pay for it monthly or up front for a year. If you compare this to a 3 in 1 credit report with a credit score it is a deal. You often will spend around $40 for a 3 in 1 credit report and credit monitoring often starts at $50 for the year. If you are looking to review you credit report and score more than once per year credit monitoring will actually save you money.

So to get a free online credit score you are going to find some stipulations. You should always keep in mind that credit reports are free and not credit scores. These you will be charged for, but if you want to review you credit report and score more than once per year this could be the way to go.
To read more about getting a free credit score online visit Elliot's website. There you will find more information about the credit score scale