Frequently Asked Questions

 

Membership

Ordering And Billing

Credit Laws

Credit Scores

Reports

Alerts

CardSafe™

Credit Assistance

ChildSecure℠

Troubleshooting

Score Planner™

Membership Back to Top

What do I get with my freecreditscore.com™ membership?

As a freecreditscore.com member, you will enjoy the following benefits:

  • Automatic score updates twice a month
  • Personalized lists of what's helping and hurting your score
  • Experian Credit and Score Monitoring
  • Daily Monitoring of the nation's largest fraud database
  • Monthly credit statements
  • Fraud resolution support
  • $50,000 Product Guarantee*

*Due to New York state law restrictions, the freecreditscore.com Product Guarantee cannot be offered to residents of New York.

How do I cancel my membership?

To cancel, please contact Customer Care toll-free at (877) 300-2506. You may cancel at any time; however, you will not be eligible for a refund for your membership fees.

I signed up for a free trial, why am I being charged?

If you do not cancel your free trial membership within 7 days of the date you place your order, your membership will continue automatically and the monthly fee will be billed to the credit card or other billing source provided by you when you enrolled in credit monitoring, on the first day of each successive membership term.

How much does the freecreditscore.com membership cost?

The membership cost can usually be found in the IMPORTANT INFORMATION section of the freecreditscore.com Home Page, as well as in the PAYMENT INFORMATION before you submit your Secure Order. Please note that the initial Membership cost varies based on several factors, such as – promotional offers, discounts applicable at the time of enrollment etc.

If you signed up for a $1 credit report, credit score and 7-day trial offer, you will be charged the monthly membership cost after the 7-day trial. We will send you an email confirmation reflecting your membership price for your initial order and any additional product you opted to purchase. You may cancel at any time. However you will not be eligible for a refund of your membership fees.


Ordering And Billing Back to Top

Will ordering my credit report hurt my score?

No, it won't. When you order your own credit report, be it during your trial membership or at any other time, it's called a "soft inquiry." Soft inquiries do not impact your credit score, and don't appear on your credit report when a lender views it.

A "hard inquiry" is placed on your credit report when a company reviews your credit as part of an application. Having too many hard inquiries could mean that you are overextending yourself and could potentially lower your score.

Is the transaction safe?

Yes, the process of sending and receiving your information is encrypted using Secure Socket Layer (SSL) encryption. This technology helps ensure that your credit card and other sensitive information are protected. We recommend using the most updated web browsers.

What do you do with my private information?

We take privacy and security very seriously. The information that you provide during the order process is used to verify your identity and remains in our system. Your credit report and score are stored in our system to be viewed by you on the website. Under no circumstances will we use, resell, or provide your credit information to any third-party marketers. If you call one of our Customer Care Representatives, they do not see your credit report unless you give them specific permission to do so. For full details regarding how we protect the information you submit to us, please see our Privacy Policy.

Why is there a charge for $1.00 on my credit card from you when I'm still in my free trial?

Actually, that $1 is not a charge. This is the way the company that processes our billing makes sure you provided a valid credit card when you establish your membership. If you wait a day or two, that $1 will no longer appear on your credit card statement.

Do I have to pay sales tax?

That depends on the state in which you reside. Certain orders may be subject to sales tax based on specific laws in your state of residence. Sales tax may be included on membership orders and any additional reports and scores that you purchase, such as a 3-Bureau Credit Report with Scores.

The address you provided during the order process is used to determine whether sales tax applies to your order(s) and if so, at what rate. Since sales tax rates may change over time, you might notice minor fluctuations in the membership fee.

Keeping your address up to date in our system will help ensure the sales tax is calculated accurately during each billing cycle.

Log in and Update Your Payment Method and Billing Address

Can I get my Credit Score and Report by mail?

Unfortunately, we cannot provide credit reports and scores by mail at this time.

I don't have a credit card. Can I still purchase a credit report?

Currently, we only accept credit card payments. Our system is not set up to accept checks or cash at this time. We apologize for any inconvenience.

Can I order someone else's credit report?

No. It's a federal crime to obtain a copy of someone's credit report without his or her permission, punishable by a fine and/or imprisonment.


Credit Laws Back to Top

What is the Fair Credit Reporting Act?

The Fair Credit Reporting Act (FCRA) is a federal law defining your legal rights to your Credit Report. Among other rights, the FCRA says: 

  • You must be told if information in your Credit Report has been used against you. 
  • You have the right to know what is in your Credit Report. 
  • You have the right to dispute incomplete or inaccurate information. 
 
For more information, visit the Federal Trade Commission's webpage about the FCRA.

What is the Fair and Accurate Credit Transactions Act?

The Fair and Accurate Credit Transactions Act (FACTA) signed into in 2003 is a revision to the Fair Credit Reporting Act (FCRA) and allows consumers to get one free Credit Report from each of the three national bureaus once a year from annualcreditreport.com.

For more information, visit the Federal Trade Commission's webpage about the FCRA.

What is the Credit Repair Organizations Act?

The  Credit Repair Organizations Act (CROA) governs the business and advertising practices of companies claiming to offer "credit repair" services. Prior to CROA, some companies took advantage of consumers and profited on advice that actually hurt consumers instead of helping them. Be very careful when dealing with any company that offers to "fix" or "clean" your credit for money. Many of the services these agencies offer are things you can do for yourself at no cost, such as filing disputes with the credit bureaus.

Does freecreditscore.com provide credit advice?

By law, freecreditscore.com cannot provide credit advice. The Credit Repair Organizations Act prevents us from doing so. While we offer a great deal of credit education throughout the website, we are unable to provide direct advice on how to improve a credit score or credit situation. However, through your freecreditscore.com membership, you can purchase sessions from Experian Credit Advisors, Inc., an Experian sister-company. 

Do laws limit my responsibility for unauthorized charges?

Under Federal law, your responsibility for unauthorized charges is generally limited to $50 per Credit Card and up to $500 per ATM or Debit card. The amount for which your card issuer holds you liable will depend on how quickly you report your lost or stolen cards to your card issuer. As a freecreditscore.com member, if your card issuer holds you liable for unauthorized charges made after you report your missing cards to us, we will guarantee your reimbursement for those charges. See Terms of CardSafe™ Guarantee for complete details.


Credit Scores Back to Top

What is a Credit Score?

A Credit Score is a number based on the information in your Credit Report. It is similar to a grade you would have gotten in school, but instead of right and wrong answers your Credit Score is based on positive and negative credit history. Paying your bills on time and using your credit responsibly builds a positive history while paying bills late and being irresponsible with your credit builds a negative history.
 
There are many different ways to calculate a credit score. freecreditscore.com uses the PLUS Score® calculation, which is the standard calculation offered by Experian®.
 
>> Learn more about Credit Scores

Why is my credit score down? I didn’t do anything different.

There are five different things that typically impact a credit score.
  1. Usage of Your Available Credit
  2. Inquiries or Credit Checks
  3. Negative Public Records
  4. Whether you make on-time Payments
  5. How long you keep credit cards and other loans open
Have you made any charges to any open credit card or department store accounts? If so, when you utilize more of your available credit balances your credit score can be affected. This impacts your utilization ratio. If you were previously using, for instance, only $200 of a $1000 limit credit card, or 20% and now you have charged the card up to $800, or 80% usage of your balance, then your credit score will generally be affected negatively. Once you begin paying that balance down, you could begin seeing an increase in your credit score if you make no other changes.” 
 
It’s possible that an account that was being reported as a positive payment history on your credit report for a long time actually ‘fell-off’ your credit report. The only way to check that would be to look at the previous credit report, and the accounts being reported on it, and compare that to your new report, with the lower score, and see if any accounts being reported have changed. Positive payment history generally remains for 10 years, if that’s the case, that account was having a positive long-term effect on your credit history. If something like that ‘fell-off’ it could have a negative impact on your credit score.  

Why did my Score go down just because my credit card balance went up? I always pay my bill on time.

The second biggest factor in your credit score is typically based on the ‘Usage of Your Available Credit’, or of the amount of credit you have available to you, how much of it are you using? Generally speaking anytime you use above about 25-30% of your available credit your credit score could start being affected negatively. As you pay the balances back down your credit score will generally begin going back up.

What is a good Credit Score?

Because there are many different credit scoring systems with different scales, a “good” credit score depends on the scoring system used by your particular lender. Different scoring systems use different scales. However, you can get an idea of whether you have a “good” credit score by getting a credit score from one of the credit reporting agencies. A score above 700 usually suggests good credit management.

What is the difference in your Credit Scoring model and the FICO credit score?

There are different credit scores used by lenders and businesses. The score calculation used on freecreditscore.com is the PLUS Score, which is the standard calculation offered by Experian. It is a user-friendly, educational Credit Score model developed to help you see and understand how lenders view your credit worthiness. It is not used by lenders, but it is indicative of your overall credit risk.

What is a VantageScore?

The latest version of the VantageScore® ranges from 300 to 850 and leverages the collective data of the three national credit reporting bureaus. It is widely used by a variety of lenders to measure credit-worthiness. VantageScore® can calculate your credit risk level from the information in your credit report from any one of the three bureaus. While the three bureaus came together to create the model, the model itself is owned by an independent company in charge of ensuring the accuracy and validity of the credit model.

How often do you update my Credit Score?

You get your first credit score when you sign up for your membership. After that, we'll update your credit score twice each month. You have the option of receiving Score Alerts if your credit score changes.
 
Log in and Update Your Alert Settings

How long is my Credit Score available?

All of your Experian Credit Scores are available through Score Tracking. We only keep the detailed information (such as the factors contributing to your score) until the next time your score is updated.

Which bureau's Credit Report is my Credit Score based on?

freecreditscore.com uses your Experian Credit Report.

For an additional fee, you can also see your Equifax and Transunion Credit Reports and Scores by ordering a Three-Bureau Report with Scores.

We recommend reviewing your Three-Bureau Report with Scores about once every three months.

Why don’t all of the credit bureaus just use the same credit score?

Think of the different scoring models as different brands. Experian has the PLUS scoring model; that is their ‘brand’ of score. Some banks and other financial institutions use their own scoring models. So, no matter where you go, a lender will choose which scoring model works best for them in their application of the score. Imagine it this way; McDonald’s has the Big Mac and Burger King has the Whopper. Which is better? Well, some people like the Big Mac better and some people like the Whopper better. Neither is necessarily better or worse than the other, they are just different burgers to fit different people’s appetites. Scoring models are the same way. None are better or worse than others, they are all just different brands.

Which scoring model do lenders use?

No matter where you go, lenders will choose the scoring model that works best for them in their application of the score. Banks and other financial institutions may use a variety of different scoring models, often based on their specific criteria.  This means that lending companies may customize a score using information they consider to be important to their own particular business. An example of this could be a repossession of an automobile. A company considering loaning money for a car might decide that according to their criteria, an auto repossession is weighted more severely and they may choose to modify anyone’s score whose credit history includes a ‘repo’ to a much more negative degree than other companies. 
 
Freecreditscore.com uses the PLUS Score, a user-friendly, educational Credit Score model developed by Experian, to help you see and understand how lenders view your credit worthiness. It is not used by lenders, but it is indicative of your overall credit risk. 

Why is this score different from the one I got somewhere else?

There are hundreds (if not thousands) of credit scoring models in the marketplace today. Different credit score model are used by lenders and businesses. The score calculation used on freecreditscore.com is the PLUS Score, which is the standard calculation offered by Experian. It is a user-friendly, educational Credit Score model developed to help you see and understand how lenders view your credit worthiness. It is not used by lenders, but it is indicative of your overall credit risk.

What can I do to improve my credit score?

In general terms, some standard things someone can do to improve their credit score would be: 

  1. Pay your bills on time. This is usually the most important factor in figuring a credit score no matter what credit scoring model is used.
  2. If you apply for credit, do so sparingly. Having a lot of credit inquiries (credit pulls) within a narrow timeframe on your credit report can also negatively affect a credit score. 
  3. Frequently check your credit report to make sure that the information being reported to the credit bureau is accurate and up-to-date. Inaccurately reported accounts could be negatively affecting a credit score.
It is up to you to keep an eye on your credit reports to ensure the information and details about YOUR accounts are accurate. If you believe there is an inaccuracy, you have a right to dispute that information with the credit bureaus. 
 

Can I get penalized for shopping around for the best interest rate?

Too many hard inquiries may have a negative impact on your credit score. However, most recently-developed credit scores recognize when a consumer is shopping for the best rates and either ignore multiple inquiries or count them as only one if they occur within a specific period of time. Shopping around in such cases should have less of an impact on a credit score.

How many different Credit Scores are out there?

There are virtually hundreds (if not thousands) of credit scoring models in the marketplace today. It's a common misconception is that there is one single credit score. There are many companies that design credit score models and sell them to financial institutions. Most major financial institutions have developed their own calculations based on their own data and analytics.

What is the range of the PLUS Score?

The PLUS Score, with scores ranging from 330 to 830, is an educational credit scoring model developed by Experian to help consumers understand how lenders view your credit worthiness. It is not used by lenders, but it is indicative of your overall credit risk. Higher scores represent a greater likelihood that you’ll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk.

Do Credit Inquiries hurt my Credit Score?

Inquiries can have a negative impact on your credit score because each inquiry shows lenders that you are shopping for credit and can be a sign that you are overextended or spending more than you make. Inquiries typically remain on your credit report for 25 months. Typically, the more inquires you have within that two year period, the more it affects your credit score.

How does the PLUS Score compare to the FICO Score?

Experian's Plus Score is an educational score, used to give consumers an idea of where their credit stands with lenders. It is not used by lenders, but it is indicative of your overall credit risk. A FICO Score is developed by the Fair Isaac Corporation.

What specific factors affect my PLUS/Credit Score?

There are five different things that typically impact a credit score. 
  1. Utilization Ratio 
  2. Inquiries 
  3. Public Information 
  4. Payments 
  5. History
>> Learn more

How is my Credit Score being determined?

Credit scores use information from three key areas of a credit report:

  • Account information (i.e. credit cards, auto loans, student loans, mortgages and rent 
  • Public records (such as tax liens or bankruptcies) 
  • Inquiries (requests by lenders to view your credit)

How will a foreclosure affect my credit score?

A foreclosure is when a lending institution, usually due to severe delinquency, closes a mortgage loan and assumes ownership of a house. This is a negative contributor to a credit score. It is hard to say exactly how much it will affect your credit score. With Score Planner, you can see how different credit decisions or situations can possibly affect your credit score in the future.

How much will repossession affect my credit score?

Repossession is when a lending institution, usually due to severe delinquency, closes a loan and confiscates the item. This usually applies to a car, boat, etc. It is hard to say exactly how much repossession will affect your credit score. With Score Planner, you can see how different credit decisions or situations can possibly affect your credit score in the future.


Reports Back to Top

Which bureau's Credit Report do you provide?

As part of the freecreditscore.com membership, freecreditscore.com provides members with daily access to their Experian® Credit Report & Score.
 
You can also see your Equifax® and TransUnion® Credit Reports with Scores by purchasing a Three-Bureau Report with Scores. We recommend reviewing your Three-Bureau Report with Scores about once every three months.

How often do you refresh my Credit Report?

There are very specific laws for your protection that prohibit anyone from accessing your Credit Report without your permission, and that includes us. While we do periodically update your credit score and some summary information automatically, we never refresh your credit report unless you specifically give us permission to.

freecreditscore.com members can request a refresh of their own Experian Credit Report with Score at no additional charge whenever they need it.

How long is my Credit Report available?

To protect your privacy, we only keep copies of your credit report for 30 days. This is the same for an Experian Credit Report with Score and for a 3-Bureau Credit Report with Scores. 

If you need to keep a copy of your Credit Report for longer than 30 days, you can print out your report. Generally, lenders and other credit-related companies do not consider reports older than 30 days to still be accurate.

What should I do if there's a mistake on my Credit Report?

If you see something that is incorrect on your Credit Report and want it corrected, you have two options available. You can either contact the company reporting the incorrect information directly or you can file a dispute with the credit bureau.

For more information on filing disputes, visit our Disputes FAQ section.

What should I do if there's something on my Credit Report that hurts my Credit Score?

While we offer a great deal of credit education throughout the website, we are unable to provide direct advice on how to improve a credit score or credit situation.

Why doesn't the information on my 3-Bureau Credit Report with Scores match from bureau to bureau?

Experian, Equifax, and Transunion are three different businesses with three different software systems, and three different business models. This allows small differences (and occasionally large differences) to occur between credit reports.

Read more about The Three Credit Bureaus.


Alerts Back to Top

What are Score Alerts?

Your Experian® Credit Score is monitored twice a month for changes. When you create your membership, you are automatically set up to receive alerts for changes in risk levels. 

You may also enable SMS messaging in order to receive these alerts to your phone. You can adjust the settings and set up additional alerts for no additional cost. You will need to log in in order to update the settings of the Score Alerts.

What are Credit Alerts?

Your Experian Credit Report is monitored daily to see if key information has changed or if new data has been added. If it has, we'll send you an email to let you know. You may also enable SMS Alert Messaging in your Alert Settings page. Your newest unviewed alerts are posted to your Member Homepage, and you can review all of your alerts from the Alerts Center. Key changes include Public Records, Potentially Negative Information, New Hard Inquiries, New Accounts, and Address Changes. If you are receiving Credit Monitoring from the three major nationwide credit bureaus, we monitor your Experian, TransUnion® and Equifax® Credit Reports and send you an email if key information has changed to the applicable Credit Report.

You will need to log in to update Your Alert Settings.

What are the different types of Alerts that can be received?

These are the types of alerts you can choose to receive, based on settings you customize:
 
  • Score Alerts
  • Credit Alerts
  • Credit Usage Alerts
  • Credit Limit Alerts
  • Identity Alerts
 
Learn more about Alerts and visit the Alert Settings page to customize your alerts. You will need to log in to access the alerts.

How will I receive my Alerts?

You automatically receive your alerts via emails. However, we encourage you to enable SMS alerts in your Alert Settings page to ensure that you will receive your alerts in case our emails are caught in your junk mail folder. You will need to log in to update Your Alert Settings.

What if I’m not receiving my alerts?

Please check to make sure that your email address and your SMS info in your account profile are up to date. You can update your alert settings and set up additional alerts from the Alert Settings page for no additional cost. You will need to log in to update Your Alert Settings. You may also contact our Customer Care Representatives at 1-877-300-2506 if you need help updating your email address.

Available Hours (Pacific Time)
Monday-Friday from 6am - 6pm
Saturday-Sunday from 8am - 5pm

What are Identity Alerts?

Identity Alerts notify you of activity using your personal information within our vendor’s network. They can indicate when someone: 

  • Applies for a credit card or loan in your name 
  • Submits a new application for an account or service to be opened in your name 
  • Opens a new mobile phone account in your name Validates your identity 
  • Changes the contact information for one of your accounts 
  • Plus other types of financial activity that may be unauthorized 
 
Identity Alerts won't appear on your credit report. You may receive an identity alert, as well as a credit alert for the same activity if it is added to your Experian Credit Report.

How do I use the Alerts Center?

The Alerts Center provides a list of all alerts we've sent you. The most recent alerts appear first on the page, and unviewed alerts are highlighted for you. To view additional information about a specific alert, click on the alert and the panel to the right will provide details and educational information. You can also use the view filter to see only a specific type of alert, and go back through your history using the page links at the bottom. You will need to log in to update Your Alert Settings.

When will I start receiving alerts?

It usually takes no more than 48 hours to enroll new members in the different types of alerts we send out. After that, you will receive alerts as they occur.

Make sure that you have added Support@freecreditscore.com to your address book so your alerts don't get blocked by your spam or junk mail filter.

What should I do when I get an alert?

That depends on what type of alert it is, and whether or not you recognize the information in the alert. We recommend you view all the alert details in the Alerts Center and read the extra information available there to help determine your next steps. You will need to log in to access the Alerts Center.

Can I change the email address alerts are sent to?

Yes you can. You will need to log in to Update Your Email Address

Can I get my alerts as text messages?

Yes you can. You are able to set up, modify, or cancel text message alerts for no additional cost.*
You will need to log in to update Your Alert Settings.

* Standard carrier messaging and data rates may apply. 

My alert disappeared off the homepage. Where is it?

Don't worry, it's not gone. All of your alerts including viewed alerts are available in the Alert Center.
You will need to log in to access the Alert Center.

The site says I got an alert, but I don't remember receiving it. What happened?

If we show an alert on the website and you didn't receive an email, it's probably because your spam or junk mail filter prevented you from receiving it. Make sure that you have added Support@freecreditscore.com to your address book, and that should fix the problem.
 
If this happened, you should also go to the Alerts Center to review all the alerts we have sent you to make sure you didn't miss anything else. You will need to log in to access the Alerts Center.


CardSafe™ Back to Top

What is CardSafe?

CardSafe is a card registry product that helps you quickly recover the loss of credit or debit cards if your wallet or purse is lost or stolen. Using the information already in your Credit Report, and any additional information you provide, we keep a record of all your cards. If your wallet or purse is ever lost or stolen, instead of calling dozens of companies to cancel cards and order new ones, just call us and we'll help you take care of this.

How much does CardSafe cost?

CardSafe is an included benefit to your freecreditscore.com membership.

What is the CardSafe Guarantee?

CardSafe offers you guaranteed reimbursement for unauthorized charges on your preregistered Credit, Charge, Debit, and ATM cards. As a member of CardSafe, if your cards are lost or stolen, we will guarantee reimbursement for unauthorized charges made after you've reported your missing cards to us, and for which your card issuer holds you liable. Please refer to the Terms and Conditions for complete details about CardSafe and the CardSafe Guarantee. If you have charges that you believe should be covered by the CardSafe Guarantee, contact your assigned agent and he or she will walk you through the claims process.

The CardSafe Guarantee is not offered, applicable or available to residents of the State of New York.

Can I add, edit, or delete cards in my registry?

Yes. You may add, edit, and delete cards at any time through CardSafe.

Why aren't my credit cards listed on my CardSafe/ Card Details page?

If your credit cards are lost or stolen, we will pull a fresh credit report with you on the phone to make sure we have the most up to date information. 

You should manually add any cards not listed on your credit report, like ATM or Debit Cards, to CardSafe.


Credit Assistance Back to Top

What's the Experian Credit Information Hotline?

The Experian Credit Information Hotline is comprised of a team of trained agents that have the information to handle questions from consumers and members about their Experian Credit reports. Please note that the Experian Credit Information Hotline does not provide credit advice.
 
Hours of Operation
Monday-Friday from 8am-9pm 
Saturday-Sunday 10am-7pm (Central time)
Tel: 1-877-284-7942

What is Experian Credit Advisors?

Experian Credit Advisors, Inc. is a separate entity and sister-company of Experian that provides credit advice services. This dedicated team of credit advisors offers customers credit explanations regarding their Experian Credit Reports.

Will Experian Credit Advisors understand my personal credit situation?

Experian Credit Advisors, Inc., a sister-company of Experian, can assist customers with their credit questions. They know how credit reports and scores work, and can translate customers’ credit goals into actionable credit advice.


ChildSecure℠ Back to Top

What is ChildSecure?

ChildSecure is an identity monitoring product for your children. After you've enrolled your children in ChildSecure, we will monitor the Experian Credit Database for any records and alert you if someone applies for credit using your children's personal information.

ChildSecure is available for purchase as an additional benefit to your freecreditscore.com membership for a $6.95 monthly fee.

How much does ChildSecure cost?

ChildSecure costs $6.95 for a monthly membership. If you purchase ChildSecure, you will be billed your regular membership fee plus the additional fee for ChildSecure on your next bill date.

If I enroll my child, what will you do with my child's information?

We treat your children's information with the same care and sense of privacy and security that we treat your personal credit information. We do not use it, resell it, or provide your credit information to any third-party marketers. If you call one of our Customer Care Representatives they do not see your child's information unless you give them specific permission to do so.

Please see our Privacy Policy for full details about how we protect the information you submit to us.

If I can obtain this information about my child's files, can't other people also obtain this information?

No. You are able to enroll your child in monitoring online, but in order to see any information that is collected through the monitoring process, we require you to fax documentation that you are the parent or legal guardian to us as proof. Once we have received this information and verified that you are the parent or guardian, you will be able to obtain a paper copy of your child's information in the mail.

Why can't I see my child's information online?

We take you and your children's privacy and security seriously. Because there is no definite way for you to prove that you are the parent or guardian of your child online, we require you to fax documentation to us as proof. Once we have received this information and verified that you are the parent or guardian, you will be able to obtain a paper copy of your child's information in the mail.


Troubleshooting Back to Top

What if I forget my User Name or Password?

We have an online process to help you log in when you forget your User Name or Password.  We will ask you a few questions based on the information you gave us when you first set up your membership, and if you remember your password, you should then be able to log in directly.  Otherwise, you will be able to reset your password and then log in. 

Visit the Sign-In Help page if you need help retrieving your User Name and resetting your Password.

I can’t sign in. I get a message that says my account has been disabled because of too many failed sign-in attempts. How can I get back into my account?

As you know, it’s important to us that we protect everybody’s credit information. So if we see that someone has failed to correctly sign into an account several times, we automatically lock that account.
If this happened to your account because you’ve forgotten your password or some other sign in information, you should be able to unlock your account using our online process.
During this process, we will ask you a few questions based on the information you gave us when you first set up your account. Once you’ve answered them correctly, you’ll be able to get into your account again.

I tried to order, but I got an error message saying I would receive a letter in the mail with an access code. What happened?

We take privacy and security very seriously. If you received that message it was because we weren't absolutely certain you are who you say you are. As a way of validating your identity, we send a letter to the address on your credit report with an access code. When you receive the letter, sign-in to the web site and provide that code to access your membership. 

If you've moved, don't worry. The person living at your old address would also need to know the User Name and Password you created to sign-in. Your information is still secure. Call us at (877) 300-2506 and we'll try to validate your identity over the phone.

When I signed up with you I got a message saying I wasn't eligible for the free trial. Why not?

If you recently signed up for a trial offer, you may not be eligible for another trial offer.

My order didn't go through. What happened?

We're sorry that happened. Most orders process in just a few seconds, but for various reasons some orders are not able to be completed right away. The two main reasons this happens are:

We are unable to confirm your identity. We take security and privacy very seriously, and need to be certain you are who you say you are before we can present any sensitive information.

The credit bureau doesn't have a complete report for you. This can happen for younger people still establishing their credit, for people who don't use credit very often, or for people who have spent years out of the country.

If you need further assistance with your order, call Customer Care at (877) 300-2506

Why do some of the webpages look like they're not loading all the way, or have missing pieces?

freecreditscore.com is designed to work best with the latest web browsers. Some functionality and features of the website require the use of Flash, Java, Javascript and Adobe Reader. These are all standard pieces of software that most websites require to work properly.

What is Adobe Reader and why do I need it to print my Credit Report?

Adobe Reader is a software program used by hundreds of thousands of companies to view files called PDFs. PDF stands for Portable Document Format. 

You probably already have Adobe Reader on your computer. Many computers come with the program pre-installed. If you do not already have Adobe Reader on your computer, you can install it for free from adobe.com.

We use Adobe Reader for the printable version of the Credit Report because it provides the cleanest, easiest way to print the report. If you try to print the online version of your Credit Report, the print out would contain awkward page-breaks and would use extra ink for all of the background images on the website.


Score Planner™ Back to Top

What is Score Planner?

Score Planner provides you with an estimated credit score while allowing you to learn how changes in your credit information can change your score. You can even view possible scenarios to find out how they will impact your score. Score Planner is free to members and non-members.

How Does Score Planner Work?

You’ll be asked simple questions about your credit cards, loans you may have and payment history. Once you have answered the questions you will get an estimated score.

Does Score Planner show my actual score?

Score Planner only gives you an estimated score based on the information you provide.