Whats free and whats not: This is probably the most confusing aspect of credit reports and scores. Under the Fair and Accurate Credit Transactions Act (the FACT Act), you can get a free copy of your credit report once each yar from each ot the three major credit bureaus by going to annualcreditreport (not, by the way, freecreditreport). What many dont realize, however, is that the free copy of your reports does not include your FICO credit score. To get your FICO credit score for free, you generally have to sign up for a free trial of credit monitoring service offered by a number of providers. Cancel the service before the free trial expires, and you pay nothing. Continue the service past the free trials expiration date, however, and the cost is typically about $15 a month until you cancel.
Posted on: Fri, 25 Oct 2013 14:08:11 +0000
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