First of all, everyone is entitled to see their credit report free once an year from the govt. That’s a given. But what’s left out of the equation is your credit SCORE. You WON’T get to see your credit SCORES for free. You have to order them separately from the individual credit bureau agencies. Problem is, your credit score is often the most important information you want to see concerning your credit. It’s a figure that determines your ability to get loans approved. It determines your mortgage interest rates. And it decides whether you’d get approved for unsecured credit cards, personal loans, etc. Your credit report is just the raw data about your finances. It’s like the individual answers you’ve given on an important math test, but the ACTUAL GRADE you get on that exam is your credit score. That’s why potential lenders and creditors always use it. They don’t have to personally sift through all that raw data in order to figure out your financial grade. It’s already done for them.
Why Free Credit Score Trial Offers Are Popular
One of the big attractions of free credit score trial offers (usually offered by credit monitoring services) is that you get to see your credit scores for free during the trial period. The question now is, which offer is the best one? And what do you need to be aware of with these offers? It can be confusing, but the simple rule of thumb is to find the offer that provides the most information about your credit rating. Some deals provide your free credit score from one credit bureau while others will provide credit reports and scores from all 3 major credit bureaus. The comparison chart below and our reviews should help you to decide.
| Name | Ratings | Credit Scores You’ll Receive | Credit Bureaus Monitored | Trial Period | Other Benefits |
 |
|
Experian, Equifax, TransUnion | Experian, Equifax, TransUnion | Free 30-Day Trial | Information from all 3 credit bureaus. Most popular. |
 |
|
Experian | Experian, Equifax, TransUnion | Free 7-Day Trial | $50,000 Guarantee |
 |
|
Experian | Experian, Equifax, TransUnion | Free 7-Day Trial | $50,000 Identity Theft Insurance |
 |
|
Transunion | TransUnion | Free 7-Day Trial | $25,000 Identity Theft Insurance |
THIS NOTICE IS REQUIRED BY LAW. Read more at FTC.GOV. You have the right to a free credit report from AnnualCreditReport.com or 8773228228, the ONLY authorized source under federal law.
…AND THE WINNER (by a landslide) IS:
Profinity Credit – See All 3 Credit Scores
Profinity Credit provides 30 days of free access to all 3 credit reports and score. That means free credit scores from all 3 major credit bureaus – Experian, Equifax, and TransUnion. The other services only provide a free credit score from one credit bureau. It’s definitely a nice thing to see all 3 scores since those numbers vary from bureau to bureau. In addition to this comprehensive info, there’s the 30 day trial period. More time to evaluate the offer. More breathing room if you decide the services isn’t for you and want to cancell. One concern with this company is that with a long trial people may forget about it and end up being charged down the road. The company also a system in place to help customers with processing requests to dispute information on the credit report.
NOTABLE MENTIONS:
CreditReport.com Offers a Protection Guarantee
Access to each of the major credit bureaus is nice. But having a $50,000 product guarantee is anice touch. The level of monitoring is excellent. There’s daily monitoring and you get notifications through text or e-mail. The free credit score you receive during the trial period is from Experian. There’s good learning resources on the website as well.
Freecreditscore.com – Famous For Their Rockband Singing Ads
Most people are familiar with the credit report rockband singing advertisements for FreeCreditreport.com. This is the same company. The service delivers on its promise of quick access to a free credit report and credit score from Experian. The sign up process is quick and easy, but there’s a sufficient enough identification process as well. The need for a quality dispute process is another major factor and this service has this as well.
TrueCredit is TransUnions Answer to Free Trial Scores
While the trial only provides initial access to TransUnion reporting, the full package gives access to each bureau’s information. Automatic updates are a great function of this particular service. An insurance policy of $25,000 is also offered against identify theft as well. The additional benefits and availability of customer service is a great touch and may be a solid reason to select this company over others.
CONCLUSION
A free credit report is valuable because it gives you details of your credit profile. But you also need to see your credit score since that’s ultimately the grade you’re getting from all that data. Most of this sites have learning resources and tips for helping you to raise your credit score. By understanding how to raise a score and what can lower the score, a person can make conscious decisions to better his or credit to achieve the interest rates that are desired. The free credit score seems like a no brainer, but you need to realize these are all trial memberships. You do need to cancel the membership before the free trial ends if you choose not to continue with it.
