Update: Don’t forget to cancel your free trial! I just canceled mine by calling 800-319-4433. They will need your SSN. It took just a minute to cancel and they sent me a confirmation email immediately.
Originally posted on 02/03:
Signed up to check your FICO score? Post your number in the comments!
Here are some answers to commenter’s questions worth noting:
-You can cancel online, I’ve updated the post below with that information.
-Checking your own credit will not effect your credit in any way.
– Agencies like Citi, Credit Karma and Vantagescore do not sell real FICO scores. They only have FAKOs and are often measured in different ranges (like 501-990, or 150-900 instead of 300-850) than your real FICO score. Credit agencies check your real FICO score, not a FAKO score…so there’s not much point to knowing a FACO score.
-You can check your credit report for free at annualcreditreport.com, but that will not display your score for free. This is one of the only ways to check your FICO score for free!
When credit agencies pull your credit score, they pull your real FICO scores from Equifax, Transunion, or Experian.
While there are hundreds of services that offer to let you check your credit score, they’re all just fakes! Those scores are called FAKOs, as they are just simulated scores, not your actual credit score.
MyFico offers one of the only ways for a consumer to access their true FICO score from Equifax or Transunion (Consumers can’t currently access their Experiean FICO score).
Normally MyFico charges $20 to get either your Equifax or Transunion score, but now there’s a way to get the Equifax score for free!
Just sign up via this link and you’ll get a 10 day trial to MyFico score watch. You’ll get immediate access to your Equifax Fico score and report. The system will also display all of your open accounts and tell you where you fall compared to other Americans. It can also figure out what your score would be if you pay down your outstanding balance, and much more.
Just remember to cancel within 10 days and you won’t have to pay a cent! After 10 days the service will cost you $14.95/month.
You can cancel online or by phone.
Click here to cancel online.
Just select “I would like to cancel my product subscription” and then click “Score Watch-Free Trial”
You can also cancel by phone: 1-800-319-4433
You can also see your real Transunion FICO score with credit monitoring for $4.95/month by clicking here and creating an account or logging in to MyFico to see the offer.