Is There Any Way to Get a Totally Free Copy of My Credit Report and Score?

Yes, there are ways to get a totally free credit report and score, if you know where to look.

First, you are legally entitled to free credit reports each year under the Fair Credit Reporting Act. AnnualCreditReport.com is the government-sponsored website designed to give you a free copy of credit report from TransUnion, Experian, and Equifax.

You are not legally entitled, however, to your free credit score each year. AnnualCreditReport.com offers the option to purchase scores when you order credit report.

If you really want a totally free credit report and score, there are several third party services that offer free reports and scores on a trial basis. FreeCreditReport.com, SpendOnLife.com, and myFICO.com are examples of sites that will supply a copy of credit report, in addition to your credit score, during a trial period. Before your trial is over, you must cancel the service to avoid having your credit card charged.