Free Credit Score
Get a free Credit Score with your trial of credit monitoring. We provide daily monitoring of your reports from Experian®, Equifax® and TransUnion® for new credit applications, changes to your name or address, and potentially negative activity. During your trial, you'll receive:
- Access to your free Credit Score for 30 days
- Analysis of your credit history
- Email alerts when your credit history changes
Why Your Credit Score Matters
Your Credit Score determines the amount credit lenders will make available to you, and your interest rates, mortgage payments, credit cards, auto loans, insurance policies, and more.
The Difference Between a Credit Report and a Credit Score
A Credit Report is a detailed history of the loans you´ve received and credit cards you´ve used. If you´ve had collections, they may also appear on your credit report. For each account, the Credit Report shows your payment history, current balance, credit limit, the date the account was opened, and whether the account is open or closed.
A Credit Score is a three digit number based on the information in your Credit Report. The bureaus use a scoring model that factors in the number of years you´ve had credit, how much of your available credit you´re currently using, whether you´ve recently made any late payments, and how recently you´ve had any negative actions or credit applications.
Why Your Credit Report Matters
First, your Credit Score is based on your Credit Report. Any incorrect information could reduce your Credit Score. A lower Credit Score can cause your interest rates to rise or you could be denied credit. Your Credit Report also lists past addresses and employers. Credit Report inaccuracies could slow loan processing.
A Credit Report is often the first place people detect identity theft. By regularly monitoring your credit, you can reduce the damage from credit fraud.
Order Your Free Credit Score
Order your free Credit Score today! Try our credit monitoring service free for 7 days. You can cancel at any time.
A Note on your Annual Free Credit Report:
Under federal law you have the right to receive a free credit report from each of the three nationwide consumer reporting agencies once every 12 months. A free Credit Score is not included.