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Free Gov Credit Report vs Free Credit Score Offers

Everyone is entitled to see their 3 credit reports free once an year from the government. That’s a given. But what’s left out of this ‘free credit report gov’ equation is your 3 credit SCORES. Problem is, your credit score is in many sense the most important information you want to see concerning your credit. It determines whether you get approved for unsecured credit cards, mortgage loans, auto loans, personal loans, etc. It also determines your mortgage interest rates. Your credit report is just the raw data that’s used to determine what your SCORE is. Currently you do NOT receive your 3 scores for free from the government. You have to go to each credit bureau, fill out their lengthy app form, and pay full price to see them. Or, you can try out one of the free 3 credit score trial offers (usually offered by credit monitoring or identity theft prevention services).

One of the big attractions of free credit score trial offers is that you get to see both your scores AND your credit files for free during the trial period. Basically you get to see the whole enchilada. You also don’t have to go thru the lengthy & convoluted application process like you do with the annual report. You get to see your credit data pretty fast.
So why do these trial offers exist?

Simply put? So you can try out their services (credit monitoring/identity theft prevention). After the free trial period, many individuals will continue with the paid membership because they’ve experienced and liked the benefits of the service. Others will ofcourse simply cancel the service during the free trial period. But they get to see their credit scores for free.
So what’s the best trial offer?

The simple rule of thumb is to find the offer that provides the most information about your credit rating. Some offers provide your free credit score from one credit bureau while others will provide credit reports and scores from all 3 major credit bureaus. Others will sign up for trial offers which provide the longest free trial period. It really varies from individual to individual. The comparison chart and our reviews should help you to decide.
REVIEW:

FreeScore360 – Free Credit Scores Instantly Online
Currently one of the most popular services to see your free scores from all 3 credit bureaus immediately online. High marks for the ease of use and convenience factor. Credit scores from all 3 major credit bureaus – Equifax, Experian, and TransUnion – as well as daily monitoring of your credit. Very few trial offers these days which offer all 3 scores.(more details…)

FreeCreditClick – See All Three Credit Bureau Scores
FreeCreditClick provides free access to all 3 credit scores in seconds. It’s become one of the fastest and most popular method for accessing one’s free credit scores from all 3 major credit bureaus – Experian, Equifax, and TransUnion. Other services might only provide a free credit score from one credit bureau. It’s definitely a nice thing to see all 3 scores since those numbers vary from bureau to bureau. Potential lenders may choose to see your scores from more than one source. There’s also the daily 3 bureau credit monitoring for identity theft protection and peace of mind. (more details…)

Creditreport.com for your $1 Experian Score
Monitor your information from all 3 credit bureaus. Also see your Experian credit report and score with enrollment for $1. Solid company. There’s daily 3 credit bureau monitoring for all 3 credit files – TransUnion, Equifax, and Experian. There’s a credit hotline to answer any of your questions. (more details…)

TransUnion’s Answer to Free Trial Scores
While the trial only provides initial access to TransUnion reporting, the full package gives access to each bureau’s information. Automatic updates are a great function of this particular service. An insurance policy of $25,000 is also offered against identify theft as well. The additional benefits and availability of customer service is a great touch and may be a solid reason to select this company over others. (more details…)
CONCLUSION

Your once per year free government credit report is valuable because it gives you details of your credit profile. But you also need to see your credit score since that’s ultimately the grade you’re getting from all that data. Most of this sites have learning resources and tips for helping you to raise your credit score. By understanding how to raise a score and what can lower the score, a person can make conscious decisions to better his or credit to achieve the interest rates that are desired. The free credit score seems like a no brainer, but you need to realize these are all trial memberships. You do need to cancel the membership before the free trial ends if you choose not to continue with it [http://member.thinkfree.com/myoffice/show.se?f=10a0a9eee0cf56360c95ca3954159c07free credit report]