Acquiring your free credit report is relatively simple: Just remember to visit AnnualCreditReport.com for up to three reports each year, not tricky FreeCreditReport.com.
Unfortunately, getting your free credit score isn't as direct. There are certain little loopholes that can get you a complimentary score, but there also a handful of legitimate circumstances that grant you a free credit score — no slick loopholes required. Find out four situations which entitle you to a free score when you read more.
- Identity theft: If your identity has been stolen or you have reason to believe it's been compromised, contact the credit bureaus about getting a free report and score.
- Denied credit: Contact the agency which reported your score to the creditor that denied your application and request a free score and report.
- Unemployment: As long as you're planning on job hunting within three months, you're entitled to a free report and score from each agency.
- Welfare: You won't be charged for your credit score if you're receiving welfare.
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Check with your insurance agent as well- most use this "insurance score" that is based on your credit. By allowing them to pull up your "insuranvce score" you are entitled to a free copy of your credit report from Trans Union.