TransUnion, TransUnion free credit report is NOT FREE! Chester Pennsylvania

The ONLY authorized source online for a TRULY FREE credit report under the law is :

www.annualcreditreport.com

Any other site is a scam, and you will pay.

If you choose not to recieve your 3 reports online, you can request them by mail and have them mailed to you.

Here is the link to the form you need to do that:

http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf


Think about it. If something is "free", why would they need your credit card?
Just common sense here.

Yeah I learned this the hard way also. I wanted my credit score and thought that the score and report was all in one and found that I was wrong. Well I have made myself very educated now by research and talking with others.
But like the other two have said the credit score has never been free. However, the credit report is free and it very useful. They help you determine what determines your score.
Also, if you ever want a credit score the only one that really matters is the Fico (Equifax) score. You will notice that it's always the lowest one and many creditors always look at this score. I always pay for all three to keep up (it's worth the $25) but its the Fico that matters.

Although I like knowing my credit score, I get that for free on a monthly basis with a credit card I have, and even without that, having your credit report is still useful. The reason we are given free copies of our credit report is so that we can check them over on a regular basis and look for things like identity theft, inaccurate accounts, etc. The reason we get our credit report for free isn't so we know our credit power, rather we get it so we can be informed and use it as an attempt at reducing fraud and keeping our identities safe. If you want to know your ability to obtain credit, then you should have to pay for that info. I am just glad we get our reports free now.

The entitlement for a free credit report every 12 months is mandated by the Fair Credit Reporting Act. The act clearly mandates that the complete report, and the report ONLY is a free entitlement.

CREDIT SCORES are not free and are not part of this free entitlement.

Sorry, but if you want your FICO credit score from any of the 3 CRAs, you're gonna have to pay for it.

It is what it is.