Free Credit Reports and FICO Scores

While consumers can get free yearly copies of their credit reports at AnnualCreditReport.com, FICO credit scores are not usually free.

There are, however, a few sites that offer free alternative scores that correlate to your FICO:

1. CreditKarma.com - Once a day, you can pull a copy of your TransRisk credit score from TransUnion.

2. Quizzle.com - Once every 6 months, you can access your CE score from Experian.

3. Credit.com - Once a month, you can see a credit report card based on your TransUnion report. The report card shows a letter grade, as well as a numerical FICO range.

Finally, if you are going to apply for a loan or mortgage, you might want to see your actual FICO score. For $15.95 each, MyFICO.com can give you your Equifax and/or TransUnion FICO scores (Experian no longer sells their FICO score to the public).