Credit Report Scam
Most companies that offer to give you your credit score for free are actually rebill schemes. This means they start charging your credit card a monthly fee. So be sure to cancel this and get the charges charged back.
An example of this is:
Free Credit Report
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-in the US, they run a lot of commercials with catchy tunes
My Credit Keeper
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-claim to offer your true FICO score, but isn't actually.
-Most of these so-called companies pull these scores out of their ass, because they would have to pay a fee to get your real FICO credit score.
True Credit
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Depending on their promotion, it is anywhere from $10 to $15 monthly for ALL 3 credit reports and ALL 3 credit scores, updated every week (or as often as you want them pulled, up to once a week).
No hidden fees, no jokes, no bullshit... Just all 3 reports and all 3 scores.
Legitimate Credit Reporting Agencies:
Annual Credit Report
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-provides your credit report details totally free but you cannot get any credit score from them. FICO or FAKO.
You get copies of all 3 of your credit bureaus reports for FREE.
Check and make sure there are no errors.
The Skinny:
The only way to get your TRUE credit score is through FICO.com or by having a bank pull it and sharing it with you.
FICO
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The US federal government law requires that consumers be allowed to get their official credit score for free once per year.
Here's a free way to do it:
1. Pay your bills, credit cards, and loans off on time.
2. Check your credit for free annually through your bank.
