Help Desk FAQ

Credit Reporting

 

I was offered a free credit scoreā€”is this for real?

Only one website is authorized to fill orders for the free annual credit report you are entitled to under law: http://www.annualcreditreport.com. It does not offer free credit scores—just credit reports. You can buy your credit score for about $15 at MyFico.

Other websites and TV ads that claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring” are not part of the government's free annual credit report program. In some cases, the “free” product comes with strings attached. For example, some sites sign you up for a supposedly “free” service that converts to one you have to pay for after a trial period. If you don’t cancel during the trial period, you may be agreeing (albeit unwittingly) to let the company charge fees to your credit card.

Some “imposter” sites use terms like “free report” in their names; others have URLs that purposely misspell annualcreditreport.com in the hope that you will mistype the name of the official site. Some of these “imposter” sites direct you to other sites that try to sell you something or collect your personal information.

Annualcreditreport.com and the nationwide consumer reporting companies will not send you an email asking for your personal information. If you get an email, see a pop-up ad, or get a phone call from someone claiming to be from annualcreditreport.com or any of the three nationwide consumer reporting companies, do not reply or click on any link in the message. It’s probably a scam. Forward any such email to the Federal Trade Commission at .(JavaScript must be enabled to view this email address)

 

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