Free Credit Scores

… and Credit Reports

Quite often people may know their credit isn’t ‘stellar’, but when thinking about buying a home, they would like to know ahead of time just how bad (or good) it is. . . and often to their surprise, they find it’s better than they thought it was.

So, are the FREE credit score sites really free?

The answer is ‘YES’  . . .and ‘NO’.

‘NO’ if you thought  that there would be no strings attached, or with your free credit score you would also get a free copy of your credit REPORT.

The simple truth is that most of the advertisers of the free credit score sites give you only that. A free credit score.

What does it mean? How was it derived? What is the bad stuff that made it so low? That information is not free. For a copy of your report, quite often they want you to pay a fee to subscribe to their services.

For example, will give you your Experian score for free, but you must first provide them a credit card number  –  your credit score is free only if you call them within 7 days to cancel their automatic subscription. Otherwise, you’ll be billed $14.95/month. And trust me…. you will get a hard sell when trying to cancel.

By the way – Are you aware that there are three credit reporting bureaus? Equifax, Experian, and TransUnion. Not all three evaluate credit in exactly the same way, so the score from one, is not likely to be the exact same as the other two.

In researching on-line FREE credit score sites, I found only two that will provide you a truly Free Credit SCORE and a Free Credit REPORT. and

From both these sites you will get a detailed credit report showing what has been reported by your creditors, plus an analysis of your credit and what you can do to improve your score. Now that is useful information! And unless you want to, you don’t have to buy a subscription.

The other thing I liked about these sites is they do not ask you for your social security number in order to provide your free credit score-credit report. They verify that you are who you say you are by asking you questions from your credit file that only you would know the answers to.

If your credit scores are 640 or above, you may be able to qualify for a home loan. If lower, check out this blog on ways you can repair your credit. And for the names of lenders who’ve provided my buyers great service in the past, please feel free to contact me.

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About Joyce Albert

Why you need a Real Estate Consultant, not just another Agent… The difference between a real estate agent and a real estate consultant is the difference between someone who just wants to make a sale, and a professional who is willing to share with you their in-depth knowledge of the market in order to help you navigate one of the largest financial decisions of your lifetime. In my career as a real estate consultant, putting my clients first is the hallmark of my success. So if you are looking for a true professional to help you buy or sell a home in the Greater New Orleans Area, please contact me. I look forward to woing with you. Certified 203k Specialist I am a certified FHA-203k Specialist - a program designed to assist buyers wanting to purchase distressed properties (hurricane damaged, repos, short sales) that require repairs or major rehab. Accredidations -  Accredited Buyer Representative (ABR)  e-Certified  Short-Sale & Foreclosure Certified (SFR) Other Memberhips. . .  Louisiana Association of Realtors  New Orleans Metropolitan Assn of Realtors (NOMAR)  Gulf South Real Estate Information Network  National Assn of Realtors (NAR) of Realtors (NAR)  Real Estate Board of Accredited Buyer Consultants (REBAC)
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7 Responses to Free Credit Scores

  1. Pingback: Repos, Short Sales, & Pre-Approval… What Every Buyer Needs to Know | St Tammany Real Estate Information

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