Offers Notes! If you decide to continue the trial membership beyond 30 days, you will be charged an annual fee of $79.95 for the TransUnion offer and $9.95 per month for the Equifax and Experian offer. We strongly suggest that you take advantage of all 3 of these free credit score offers (our personal favorite offer is the Equifax offer). Each credit reporting companiy (aka credit bureau or credit reporting agency) compiles its own credit data. Thus, each credit reporting company usually contains different information regarding your credit score- your score will likely not be same for each company. Finally, taking advantage of these offers will not lower your credit score.

Consumer advocacy groups also strongly recommend that you obtain a copy of your credit reports from each of the three major credit reporting companies at least once a year to prevent fraud and to insure that your credit reports are accurate. It is wise to verify that your credit reports are accurate before applying for any type of credit. Credit reports can cost up to $9.50 per report. Note! Thanks to a recently enacted federal law, consumers are entitled to one free credit report from each of the three credit reporting companies each year. If you would like to request your report(s) more than once a year, you can obtain your official Equifax credit report online for free (includes free credit score). Similarly, you also have the option to obtain a free instant online copy of your official Experian credit report ¹, as well as a free instant online copy of your official TransUnion credit report ¹. All three offers also include a free 30 day trial membership offer. Note! If you decide to continue the trial membership beyond 30 days, you will be charged an annual fee of $79.95 for the TransUnion offer and $9.95 per month for the Experian offer and Equifax offer. We strongly suggest that you obtain a copy of your credit report from each of the three major credit reporting companies, since each reporting company compiles its own credit data- each bureau usually contains different information regarding your credit history. Furthermore, creditors may use information from any or all credit reporting companies when making credit decisions. Please note that taking advantage of these offers will not lower your credit score.

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