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If it is your personal financial profile then why do they all charge just because the government has said they can charge you. Are they not there to assist the consumer with large purchases, etc. Whats wrong with this picture?

3 Thoughts on Why do the 3 major credit reporting agencies all charge to find out your FICO score When it is your score?
  1. Reply
    klynnr_1981
    July 8, 2011 at 7:26 am

    You are entitled to see all 3 scores for free once a year. Go to http://www.annualcreditreport.com.

  2. Reply
    sashazur
    July 8, 2011 at 7:37 am

    They are required to provide you with your credit report once a year for free. To do this, go to http://www.annualcreditreport.com. All the other sites that do this will charge you, even if they say they are “free”.

  3. Reply
    Steve D
    July 8, 2011 at 8:27 am

    They are not there to assist the consumers..they are there to assist business people in determining who to extend credit to. The argument is that the credit scores are their own product and as such, they have the right, as any other producer, to charge for their production.

    As you have found out, you cannot get your score free, however, should you apply for a large purchase (car, etc.), you could ask the credit person to reveal your score. They are not supposed to do it, but some might as a courtesy. Remember that most creditors only use one of the scores and scores change monthly. Also, some creditors do not use the credit bureau’s credit scores, but use the credit report to create their own score. There are estimates that there are about 1,000 different credit score algorythms being used.

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