Any experiences w//freecreditreportsinstantly.com or other free scores/reports trials?

[Anonymous]

I'm checking out free trial deals for credit scores & reports, & wondering if anyone’s had experience w/freecreditreportsinstantly.com or other free scores/reports trials? The last time I did a free trial like this was 2 yrs ago & I don't remember seeing freecreditreportsinstantly.  Last time around I used myFico, but apparently I only get that one free shot, so I'm looking into the other sites where I can do this.

 So far I've only looked briefly at freecreditreportsinstantly’s front page, & I noticed that some places they said you'd only get reports & others promised reports & scores. Obviously I'd like both :-), but b/c of the differing statements I'm hesitant to sign up for a free trial. I'm sure it's really a subscription you have to cancel w/in 30 days. That kind of arrangement's fine, but I want what I'm getting (or not) to be clearly spelled out. Besides, I see that Experian isn't making people's scores available anymore(!!) so how can any of these sites say customers will get all 3 scores?

[oneilldn]

I'll recomend you CCT (crdit check total). Their scores are fako, but you are able to pull all 3 CRA's everyday. Their free trial is 7 days and then 19.95/month. But before your trial is over call them and tell them that you want to cancel since is too expensive.... they will offer you 9.95 a month..

[Anonymous]

Many thanks. I'm not too proficient w/abbreviations-I take it I'll only get fako scores from them? Know of any way to get fico scores w/a free trial, or is the only way to pay for them?

[Anonymous]

Dazed,

               You might want to check out Credit Karma, They're free. It's still a FAKO score but it does give you a general trendline you can follow...Just be careful about all the credit card offers on the website....Unless you really need additional credit the last thing you'll want is a lot of hardpull inquiries that ding your score.

Regards,

Cato

[Anonymous]

You can sign up for free 30 day SW and it gives you a EQ FICO score.

No free trials for a TU FICO score and consumers don't have direct access to their EX FICO score anymore.

You can get your free annual reports every 12 months --- see link below.

[Anonymous]

---

dazed wrote: 
Besides, I see that Experian isn't making people's scores available anymore(!!) so how can any of these sites say customers will get all 3 scores?

---

Because they are providing a credit score, but not a FICO score. Something we call a FAKO.

[Anonymous]

I tried to sign up for the free SW, but the site said that since I'd already taken advantage of it once (that was2 1/2 yrs ago) I could only buy it now. I remembered about getting free reports after I put up that post.

 

Thanks!

[Anonymous]

For sure, Cato! I'm only doing this b/c I want to BT to a 0% intro APR card. I’d like to get the app in ASAP. I don’t have the exact numbers, but I know I’ve got VG to exc. scores, so I’m pretty sure I’ll only need to do one app (fingers crossed).

Thanks!

[Anonymous]

Hi again-

Do anyone’s FAKOs offer anymore of a kind-of-reliable guideline than anyone else’s, or is it pretty much a FAKO’s a FAKO’s a FAKO situation?

[Anonymous]

---

dazed wrote:
I tried to sign up for the free SW, but the site said that since I'd already taken advantage of it once (that was2 1/2 yrs ago) I could only buy it now. I remembered about getting free reports after I put up that post.

 

Thanks!

---

Equifax sometimes offer free trials to their products, which often include an EQ FICO score.

If not, you can always call customer service and see if they can offer a free trial of any sort.