How to actually get a free credit score check?


free credit score and wasn’t sure if they were legit. Is there any 100% safe/free way to get your credit score? I just don’t want to take any chances with giving my social security number or be secretly charged something.

Gold Asked on October 4, 2019 in Business & Finance.
Add Comment
  • 2 Answer(s)
    Best answer

    So as you can see credit is based on opening and paying accounts. So without that you would have no score at all.

    The credit bureaus use different scoring systems, Equifax scores from 250 to 843, Experian from 253 to 893. Transunion from 250 to 877.

    There are also 3 different types of scores. The standard that you see, the auto enhanced that only auto dealers and lenders see and the factual which only mortgage companies and lenders see.

    So each person can have 12-15 different scores none of which will match. Great system huh. Add to this the fact that all lenders do not even report to all 3 credit bureaus and some don’t report at all and you begin to see the problem with our current system.

    As far as a real score goes, go to it will cost $20.00 but you will get a real FICO score. You might also go to and print out all 3 of your reports for free, no reason to pay a credit monitoring service.

    Star Answered on October 4, 2019.
    Add Comment

    You can get your free annual credit report from each credit bureau online thru This is the site mandated by the FTC and is the only one that won’t require you to sign up for monitoring services. Reports are free, scores are not.

    Creditors use FICO scores and the only place consumers can get real FICO scores is Third party monitoring services use Fakko scores. all three credit bureaus now sell consumers non-FICO scores that are on different scales. These are all worthless. offers a free score estimator based on your TransUnion report. it’s not FICO, but the TransRisk score is within 50 points or so. Good enough if you are curious.

    Star Answered on October 4, 2019.
    Add Comment
  • Your Answer

    By posting your answer, you agree to the privacy policy and terms of service.