Currently, only credit reports are free to individuals in the United States. Credit reporting agencies are required by the Federal Trade Commission to provide you with a free
credit report once a year. Credit reporting agencies are not required to provide free credit scores.
However, there are some tactics for consumers to obtain free credit scores. Consumer credit monitoring companies will provide you with your free credit reports and free credit scores from Experian,
TransUnion and Equifax if you sign up for there credit monitoring service.
These credit monitoring companies charge a monthly fee to your credit card to provide you with this service, but most of them have a free 30 day trial period. In order to get your free credit reports
and free credit scores all you need to do is sign up for the service. Once you have received your free credit scores and report, then just call them up and cancel with them before your thirty day
trial is up.
If you find your credit scores are in need of improvement, it may not be a bad idea to pay the small monthly fee for the credit monitoring service. This can help you keep a track on where your credit
scores are headed every month. It can also be a good indicator on when to apply for a loan so you can obtain the best interest rates.