is there anyway to obtain my credit score for free. i tried online and they say free but always ask for credit

card number cause there is a surcharge.

Public Comments

1. Try annualcreditreport.com... They dont ask for a credit card... Its free for once a year... If you pay five dollars you can get your credit score! Another one I think I tried was freecreditreport.com... they may ask for a card number for the trial bases... Just make sure to contact the site and let them know you do not want to continue a membership so you dont have to pay anything!
2. Actually, you can do it one of a few ways.... if you have been denied credit recently ( within 6 months) you are entitled to a free credit report from any of the credit reporting agencies. Also, you are entitled to a free report annually as well. Lastly, when you are asked for a credit card number on line they are just trying to veryify that you are who you say you are. They do try to get you into watching your credit on line and all but you can refuse and not sign up for it and STILL get your free credit report. Thay cannot chrage your card without your authorization and you may cancel at any time.
3. Matthew, To obtain a free credit score (not report), ask your credit card company. I was on the phone with Washington Mutual, the issuer of my card, and after my issue was taken care of, I asked for my credit score. The rep told me how to go about getting it online via their website. It's a free service they offer to their card holders. If Washington Mutual offers it, I'm sure that other companies do it as well.
4. By law (Fair Credit Reporting Act), you have the right to receive one credit report per year, free of charge, from each of the three credit reporting agencies in the US... Trans Union, Equifax, and Experion. The official website for obtaining these annual reports is: http://www.annualcreditreport.com Any other 'free credit' websites are commercial ventures, or worse, scams. The commercial websites may offer free credit scores, but usually, there's a catch. Alot of them just redirect you to the aforementioned website for free credit reports, making it appear as though it's their own service. Note that the free annual reports you're entitled to are reports... they don't include your credit score (though each of the 3 companies will try to sell it to you when you get your free report).
5. You cannot get your credit score for free. Credit scores are tabulated using proprietary technology that Fair Isaac developed. They take what's in your credit report and come up with a number based on a complicated algorithm. While you can get a credit report for free, you will have to pay for your score, which uses their technology.
6. FICO scores aren't free, and no place is going to give you a 'free' one without signing up for some type of service. However, you can usually get a low cost credit score if you get a report from Experian, Trans Union, or Equifax. Keep in mind the 'scoring' for all three is not equal. Your score for Experian, for example, might be a bit different than the score that Trans Union uses (although normally, not radically different). Before someone runs your credit report, ask what service they are using. Good luck
7. Go to http://www.annualcreditreport.com/. From there you can look up each of the 3 credit agencies toll-free numbers to order a FREE credit report. You are entitled one per agency every 12 months.