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Q: I’ve seen a ton of commercials for FreeCreditScore.com. Is this a legitimate website to check my credit score?
A: Any company that asks for money in order to let you see your credit report is not necessarily a scam; however, why pay for something you can get for free, sometimes as often as three times a year?
FreeCreditScore.com, as well as other companies that advertise that they’ll get you a copy of your credit score without charging you anything will most likely use the information that is gathered and compiled by the same three credit reporting companies—TransUnion, Experian, and Equifax—that you would contact yourself for a copy of your credit report. As mentioned earlier, this information is free the first time and sometimes up to three times, so technically they cannot charge you for something that is free to begin with.
However, what they do require is that you enroll in their program. The program fees can be steep, and you will have to commit to a specific time period—anywhere from 90 days to one year. During that time, you may receive updated reports and advice on improving your credit, but, again these are all things you can get yourself, without having to pay any fees or join any programs.
The best thing to do is find out for yourself by using free online resources or free library resources how to go about getting your own credit report and how to improve your credit and manage your finances. After all, your goal is to save money and protect your credit, and paying out money you don’t need to is not accomplishing that purpose.