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How can I see all three credit scores?
I was wondering if you could get all three credit scores on this website? If not where can I do that for free?
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742 People Helped

focus on things that effect scores

Helpful to 740 out of 834 people

As a credit analyst, I can tell you many institutions are no longer just looking at your scores. We're in some trying times and there's not too many people who don't have some sort of blemish on their credit reports. If you simply focus on the following few things, your credit scores will improve naturally.

[1]: Never miss a payment

[2]: Never use more than 30%-40% of your avail credit (ie. $450-$600 on a $1500 line)

[3]: Monitor your credit for free by spreading out your request to the 3 reporting agencies.

      (ie. request Trans Union in March, Equifax in July and Experian in November)

[4]: Avoid only making minimum payments. First and foremost you'll ultimately pay much more for all your purchases due to the heavy interest. Secondly, in the times we're in, creditors will begin reducing your available credit by cutting your lines. (I do it everyday).

You want to try and make at least what we call "B" and "C" payments. Paying in full is always best but at times you may not be able to do that. Use the payment guide below:

M = Minimum payments

A = More than minimum, less than double

B = At least double, less than triple

C = At least triple, less than quadruple

D = at least quadruple, less than 5x minimum

E = At least 5x minimum, less than full

F = Full payment

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Helpful to 45 out of 64 people

very helpful summary.  thank you!

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Helpful to 422 out of 470 people

JiJu5r33 is correct on where to get the scores for free

However, To clarify all of this regarding the law and what they must provide...  There is a difference between your credit REPORT and credit SCORE

your reports must be available to you annualy from each agency for free.

However, your SCORE (which is variable between the 3 agencies, and only when looking at all 3 scores can you determine your overall score) is only required to be presented to you when an agency is using it to determine qualifications for a loan (and they may charge you to get it).   

No where does your score ever HAVE to be given to you for free, only the report of the agencies which is used to determine your score.

In other words, if you want to know your score for free

Sign UP for free for ... , , and  

Consider the Lowest Score your actual score used by Banks, if it's way off from the others, contact that agency to get a report and have them correct it.

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Helpful to 65 out of 88 people

•The credit scores provided under the offers described herein make use of the Equifax Credit Score™, which is a proprietary credit model developed by Equifax. The 3-bureau scores are each based on the Equifax Credit Score model but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to lenders along with numerous other credit scores and models in the marketplace. Please keep in mind lenders are likely to use a different score when evaluating your creditworthiness. Moreover, lenders may take into consideration items other than your credit score or information found in your credit file, such as your income.
•FICO® is a trademark of the Fair Isaac Corporation.
•The Automatic Fraud Alerts feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.
•Debt Wise is not available to residents of Nevada, Utah or the District of Columbia.
•The rate information on these pages is powered by Informa Research Services, Inc. © 2011. This information has been obtained from various financial institutions, and Informa Research Services cannot guarantee its accuracy. The information includes financial product data that was in the Informa Research Services database at the time of publication, and may not reflect all of the products available in your region. Before acting on the information shown on this page, contact the financial institution to verify the accuracy of the data. When contacting financial institutions, always mention Equifax to ensure you receive the preferred Internet rate. Contact to have your rates included in this chart.
•WebDetect™ (an included feature) attempts to scan Internet sites where consumers' personal information is suspected of being bought and sold, and periodically adds new sites to those it searches. However, the Internet addresses of these suspected Internet trading sites are not published and frequently change, so there is no guarantee that WebDetect is able to locate and search every possible Internet site where consumers' personal information is at risk of being traded.
•Privacy monitoring, powered by, Inc., attempts to search Internet sites to find and, if purchased by the consumer, remove the consumer's personal information from the Internet. However, there is no guarantee that Privacy Monitoring is able to locate and search every possible internet site where consumers' personal information is being displayed. In addition, certain data companies may not honor requests sent regarding removal and data cannot be removed from those sites.
•Equifax Credit Report Control™ is only available while you have a current subscription to an eligible Equifax monitoring product. Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Consumer Services, LLC. which provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit
•Score Estimator results are provided for educational purposes only and are intended to show the impact that certain hypothetical actions could have on your credit score, assuming that all other variables remain constant. This is not a guarantee that your score will change as shown in this Score Estimator. Your actual score calculation may change frequently, even daily, as the information in your credit file(s) changes.
•Identity theft insurance underwritten by subsidiaries or affiliates of Chartis Inc. The description herein is a summary and intended for informational purposes only and does not includes all terms, conditions and exclusions of the policies described. Please refer to the Summary of Benefits and actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.
•Equifax's credit monitoring products are protected by US Patent 7,028,052.

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Helpful to 240 out of 263 people

 You can call each credit company and get one free report annually. It will not include a score. You can sign up on "", and get all three reports and scores. This is a free seven day trial. You can print your info or simply save it on your computor. Make sure you call the toll free number by the sixth day and cancel. If it goes to the seventh day they have already charged you their going rate. You can then take your time and go through everything and write out anything you want to dispute. Make sure you have all your facts in order, and then call the particular credit company and tell them you need to dispute something on your credit report. Sometimes they will verify your claim, and sometimes, depending on what it is and how long it has been on your report, they will go ahead and delete an item from your report. I have done this and found that it is the simplest and easiest way to get your scores and get your report corrected. Also, it will not cost you a dime. Also, just so everyone knows, most creditors will use your middle score.

Good luck to all

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Helpful to 129 out of 140 people

Apparently, they have changed the policy at - you can get just the Experian report for the 7-day trial period, or $2.95. The site is owned by Experian. After I gave them all my info, the only way I could see to get the 3 agency report was to pay the $39.95 (less the $8 member discount). They will charge your credit card immediately. Now I have to figure out how to cancel the membership because I don't want anything but the credit reports I am entitled to by law.

I just logged on to and it appears to be legitimately free. I'll let you know if that turns out to not be true.

3 Contributions
231 People Helped

Helpful to 226 out of 263 people   Gives you all three for free once a year. It's legit, so don't worry. My sister let me know about it when I went to check on it  last summer when I applied for a mortgage and they said my credit was poor.  Transunion, Equifax, and Experian.

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143 People Helped
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Helpful to 142 out of 153 people is the bomb for a no strings attached "FREE", truly, free credit score.  Hats off to you guys!!  Thank you.  

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Helpful to 85 out of 92 people

I agree.  Since I've been on Credit Karma, I've implemented suggestions which increased my credit score by 55 points.  Great site and wonderful information.

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230 People Helped

Helpful to 165 out of 183 people for Experian score, You can only update it once a month for Transunion score, You can only update it once a month for for Experian score, You can only update it once every 6 months. let you have 30day trial for all 3 scores,

havent found any free score site for Equifax yet

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