#how to check my credit score for free
What is FreeScore SM ?
FreeScore is a comprehensive credit information service that provides members with immediate access to all three credit scores, plus up-to-date alerts about their credit status. Members of FreeScore can enjoy greater peace of mind knowing that they can access and review their credit information at the three national credit bureaus TransUnion, Equifax, and Experian anytime they need to! Additionally, members can stay up-to-date because they’ll be alerted via email whenever there’s a critical change to their credit information.
Members also have access to a variety of other benefits, including insurance scores, a Credit Score Predictor sm. an Identity Theft Consultation and Restoration service, an online Credit Library, and much more!
What’s included with my FreeScore membership?
As a member of FreeScore . you’ll receive:
Unlimited, online access to your credit scores from the three credit bureaus: TransUnion, Equifax, and Experian
Credit alerts via email whenever there’s a critical change in your credit information that can impact your credit scores
Unlimited, toll-free access to our Credit Customer Service team
Access to a team of Licensed Investigators who truly understand the problems surrounding identity theft and are available to answer your questions and offer their expertise regarding any concerns you may have. And should you become a victim of identity fraud, your investigator will help restore your identity to its pre-theft status
Members can use the Credit Score Predictor sm to create and compare custom what-if scenarios to determine the impact on their TransUnion credit score
The Insurance Score product includes a score and detailed analysis for both an Automotive and Property Insurance Risk Score
Access to our online Credit Library to help you stay educated about all credit-related topics
And much more!
How do I access my FreeScore membership benefits?
To access your FreeScore membership benefits, log into www.FreeScore.com using your email address and password. Once you’re logged into the website, you can access all of your membership benefits.
When will I receive my Welcome email and login instructions?
How can I view my first Triple Bureau Credit Scores?
Once you enroll in FreeScore . to view your information for the first time, follow these steps:
1. Log into www.FreeScore.com using your email address and password.
Social Security number
Loans and mortgages you have had
Previous employers and addresses
After you’ve completed the identity verification process, click “Next” to view your Triple Bureau Credit Scores!
Will viewing my credit scores lower them?
No, it won’t. This is a popular misconception. Accessing your personal credit information is called a soft inquiry . Soft inquiries do not impact your credit score.
When a lender reviews your credit as part of an application, it is called a hard inquiry . If your history shows too many hard inquiries, it could mean you are overextending yourself and that can potentially lower your credit score.
What is Identity Verification, and how does it work?
The Identity Verification process protects your privacy by ensuring that only YOU can view your personal credit information.
Identity Verification confirms your identity through a series of questions based on accounts and personal information contained in your credit history. Here’s how it works:
The system presents you with a question based on your credit information.
You select the answer from a list of possible choices, and your answer is compared with the information on file with our credit service provider.
When enough correct information about you has been confirmed, you’ll have access to your Triple Bureau Credit Scores.
If your identity can’t be confirmed online, you’ll be given instructions on how to continue.
Why can’t I access my credit scores?
There are some instances in which we’re unable to provide members with immediate online access to their credit scores. These instances can occur when:
We aren’t able to verify your identity. For your security, we only deliver your credit scores when you pass our online identity verification process.
We’re experiencing a technical issue. If you believe we’re experiencing a technical issue, send us an email so we can resolve the problem.
The credit bureau doesn’t return a credit file. Sometimes the credit bureau doesn’t have enough information to create a credit file for you.
If you need more information, please contact us online or call us at 1-800-316-8824.
Why are my credit scores different at each of the three bureaus?
Banks, retailers, and other sources aren’t required to report your credit transactions to every credit bureau, so the information in one credit bureau file may be different from the information found in your credit file at another bureau. Since your credit scores are calculated based on the information in your credit files, your credit score can vary at each bureau.
How can I view my updated Triple Bureau Credit Scores?
1. After you’ve logged into www.FreeScore.com. click “See My Scores” on the Welcome page.
2. Next, click the “Request a New Report” button. Our credit services provider may then ask for your permission to access your personal information. Select “I Agree,” and click “Confirm.”
How often can I request my updated Triple Bureau Credit Scores?
What affects my credit score?
Your credit score is determined by several factors including:
Your payment history (35%)
Your debts (30%)
The length of your credit history (15%)