June 2nd, 2016
Your credit score is a very complicated process. When you see a site offering a free credit score, keep in mind that it’s not going to be the same credit score pulled by lenders. What you are getting is an estimate based upon your credit report, and not a true evaluation. San Jose based FICO is the first U.S. credit scoring company, and it is their score that tends to be the gold standard. Each credit reporting agency uses FICO differently which is why your score is different if you had pulled it separately from each bureau.
There are many sites out there that allow you to pull your credit report and score from one or all three of the credit reporting bureaus. You can get your free report Annual Credit Report. Now, this won’t give you a score unless you pay for it. But you can at least look for mistakes which do happen.
By law, you’re entitled to a free copy of your credit report from all three reporting agencies on file once a year. There are three credit reporting agencies
Often, sites are trying to get you to sign up for a monitoring service, and they have a free trial period. If you cancel before the end, you will get your score for free.