Free Credit Report Gov vs Free Credit Score

Did you know your credit SCORE is NOT included in your free annual credit report? Yet your scores are one of the most crucial financial information that banks, lenders, and creditors use to gauge your creditworthiness. It’s the number they use to set your loan interest rates or to approve or deny you the loan. Your free credit report gov or free annual credit report is simply the raw data that goes into calculating your SCORES. So how does one see their credit scores? Normally you have to pay to see your scores by going to each of the 3 credit bureau agencies. Fortunately, there’s a way to view them for FREE – Free credit score trial offers (usually sponsored by credit monitoring or identity theft prevention services). In addition to seeing your credit scores for free, you can also obtain your 3 bureau credit reports in a very convenient fashion for virtually free (just a $1 processing/handling fee). There’s no need to jump thru hoops like you have to at annualcreditreport in order to see it all.

Free Credit Score Comparison Chart
Name Ratings Credit Scores
You’ll Receive
Credit Bureaus
Monitored
Trial
Period
In Summary

Experian
Equifax
TransUnion
Experian
Equifax
TransUnion
7-day Free Credit Scores from All 3 Bureaus in Seconds. 3 Bureau Credit Monitoring.
myscore

Single Credit Score Experian
Equifax
TransUnion
7-Day Free Credit Score. 3 Bureau Monitoring
frreecoreconect

Single Credit Score Experian
Equifax
TransUnion
7-Day Free Credit Score. 3 Bureau Monitoring

THIS NOTICE IS REQUIRED BY LAW. Read more at FTC.GOV. You have the right to a free credit report from AnnualCreditReport.com or 8773228228, the ONLY authorized source under federal law

How We Rate These Free Credit Score Offers

#1. The Number of Credit Scores You Get To See – Ideally want to see what your scores are for all 3 major credit agencies – Equifax, Experian, and TransUnion. You’ll find it to be different for each credit bureau. And your creditors or lenders might be using 1 or all 3 of your credit scores to make loan decisions.

#2. Length, Trust, and History in Business

#3. Benefits & Features – Features such as a toll-free customer service hotline to receive assistance. Learning resources and knowledgebase. Identity theft insurance levels.

Check your credit reports and scores frequently

There are many who prefer to monitor their own accounts and protect their own identity. However, using a credit monitoring service has lots of benefits as they monitor a host of things for you. They monitor your personal information, bank accounts, credit information and other financial information. With their support and help you become aware of any dubious activity if any is happening on your accounts or personal information. Here are some areas where credit monitoring services can be beneficial since it goes beyond just obtaining your free credit report gov or free annual credit report.

In case of identity theft, you get a prompt intimation from the credit monitoring service, which helps you to act immediately.

Early detection will help you to protect your accounts from further damage.

As credit monitoring services are available at all times, your credit will be monitored even when you are busy or out on vacation.

If you forget to monitor, your credit may get affected adversely. This will not happen when you hire credit monitoring services as they will give regular update on your credit.

Benefits of checking your credit from all 3 credit bureaus

Your credit score plays a vital role when you apply for a personal loan, home financing, credit card, car loan or any such credit activity. The lenders, landlords, etc. check the reports of the credit bureaus that are the reporting agencies (namely TransUnion, Equifax and Experian). Though they may not refer to all the three reports it is advisable to get the report from all the three agencies. With all the three reports, you can analyze them and identify differences in information that are reported. You can also identify particular information that may be reported by only one of them.

Let us take an example: Your credit card information has been stolen and the ID thief purchases a car with your information where the dealer pulls out your credit report from TransUnion. Now, if you have only subscribed to get alerts from Equifax, you will not be intimated of this transaction. You will only get this information after a month in your credit report by which time the ID thief will be enjoying the car at your cost.

By availing the services of all the three credit bureaus, you will be alerted for inquiry even before the transaction is approved and this will prevent you financial damage and also protect your identity. But remmeber, you don’t just want your free annual credit report. You also want to see your credit scores.

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