Free Credit Report and Scores
It was time to flip Scott’s 0% balance transfers to new cards. Just before I submit the applications, I like to pull our credit report to make sure that everything is in order.
I’m always on the lookout for another free way to get a copy of our credit report. After some research I found Credit Check Total had just what I needed… and just in time for Free Money Friday!
Free Credit Reports and Scores
Credit Check Total offers a free 7 day trial. You get all 3 credit reports and scores from all 3 credit bureaus.
Here are additional details from Credit Check Total:
- 3 Free National Credit Reports and Scores with 7-day trial to Credit Check Total Credit Monitoring.
- Unlimited Experian®, TransUnion® and Equifax® Reports and Scores for only 19.95/month.
- Automatic, daily monitoring of all 3 national credit reports from Experian®, TransUnion®, and Equifax®.
- Email alerts of key changes to any of your 3 national credit reports.
- Monitoring with Experian begins within 48 hours of enrollment in your free trial.
- Monitoring with Equifax and TransUnion takes approximately 4 days to begin, though in some cases cannot be initiated during your trial period.
Cancel
Make sure you cancel! After the 7-day free trail offer ends there is a $19.95 charge per month. Even though the terms say that “You may cancel your trial membership any time within 9 days of enrollment without charge,” I would play it safe and cancel in the 7 day window.
To cancel this one, I couldn’t find an online option, so you’ll have to call: 1-866-506-7894.
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I user myfico to watch my score. They are so important nowadays I pay for the annual service. $40 or so.
@ Credit Man: Great reminder on My Fico. If anyone is interested, they also offer Free FICO Scores & Credit Reports to try it out first.
For the record, they do give you quite a hassle in trying to cancel. However, the good news is that if you try to cancel, they’ll knock off $10 a month for 6 months trying to keep you. So if you decide you want to keep the service, go ahead and call them up anyways for the discount.
Credit Karma (CreditKarma.com) also has free credit scores. You don’t have to risk the 7 day trial thing either. The catch is that they aren’t FICO scores. Still they should give you a ballpark estimate.
Having to call and cancel would be a problem for me. I use CreditKarma for my score and then get my free reports quarterly. That seems to work. If I need more info, I’d go with My Fico.
@ JBP: Good tip on a way to get a discount!
@ Lazy Man: Thanks! I’ll have to check out Credit Karma. I usually just need access to our reports to check utilization, but getting free scores is always fun. I’m off to check it out…
@ Simply Forties: That’s why I mentioned the calling part, I know some people hate to call!
When I tried to cancel credit check total, the customer care center said i needed a pascode before i even spoke to a real person. did anyone else have this issue?
@ Eric: When my husband called, he didn’t need any kind of passcode. Did you try pressing 0 a bunch to get out of the automated system? Sometimes that works.