The Federal Trade Commission is coming down hard on the folks at freecreditreport.com because, well, because, it’s not free! The three main credit bureaus will forward your credit score each month for a fee of $15, however, personal bankruptcy attorneys don’t generally recommend these costs. After all, for the $180 you would pay them each year, you could work on reducing debt! The various credit bureaus will let you know of possible fraud activity, however, absent a notion of expected fraud, we question the cost. With respect to the score, the only time our clients really need their actual score is when they are applying for a loan and they need to be above a certain score to get approved. Perhaps then the associated costs are valid.
That said, as we have written before, getting a free copy of your credit report from each agency, each year, is advisable. For Equifax, click here. For TransUnion, click here. And, for Experian, click here. http://www.experian.com/ You can check all activity and write to the agencies if there are inaccuracies.