Get a free credit score with your free trial membership at MyFreeScoreNow.com. Your membership includes your free credit score based on your current credit report. Plus, you will receive email alerts when there are significant changes to your credit report. And, you will get an updated credit score each month your membership is active.
Your free credit score and report can have a significant impact on your life. With today’s technology, scores can be used day and night to make an instant assessment of your creditworthiness. Knowing and understanding your credit score gives you a financial edge that could put money in your pocket through lower interest rates and lower monthly payments.
Because so many different credit scoring models are used, there is no single "good" credit score. Far more important than the number is how you rank on the particular scale being used. Because scoring models in general take the same things into consideration (primarily the information on your free credit report), a good credit rating on one scale will usually translate to a good credit rating on another scale.
The Fair Credit Reporting Act (FCRA) protects the privacy of your credit report. By law, however, your report may be released to persons or organizations which have a legitimate reason to view your report. In most instances, you must grant permission for your free credit report to be accessed. Granting such permission is often in the fine print of credit or employment applications.
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 from AnnualCreditReport.com or by calling 877-322-8228. However, a free credit score is not included. Since information in your credit file can change frequently, it can be a good investment to keep tabs on your credit score and credit report more frequently by using a credit monitoring service.