In response to many people's frustration, you 'can' get free reports. I don't believe the FICO's are there though. Be advised you will have to go to "AnnualCreditReport.com" main page, sign in, then go to all 3 agency links, create sign ins for each of those. BUT you MUST be careful to not accidentally go into the "BUY" reports areas. The Freebies are well hidden but they are there. I successfully got all three reports last year this way. Also, be prepared for a couple hours as this is very time consuming...but worth it as I found ALOT of errors including a wrong name which has been resolved.

Used Clarks site to get printable versions of all 3 credit reports. (YEAH)! Now, I'd like to know my FICO score(s), but I don't wanna pay a fortune. Clark suggests 3 places, but I'm leary on all but Quizzle, since he hasn't tried the others yet. Not to mention Quizzle is NOT the ACTUAL FICO score, it's an "approximation". Depending on several things, that approximation COULD greatly differ from the actual score.

I've done alot of work on this the past few days and here's what I found out. You can take this advise to the bank... your score is not available to you. You can get your credit report for free by going to annualcreditreport.com. Most people like to do 1 of the credit bureus every 4 months - that makes sense. Your credit score, is not included for free. You always have to pay for it. You canNOT get your Experian score yourself. You can "buy" your Vantage score through one of their many products, but Vantage score is crap. Maybe it will make you feel better by knowing your Vantage score is a somewhat accurate score... give or take 100 points in either direction (yeah, seriously!!) The myfico score is not your FICO score. It is extrememly misleading. it's just like Vantage - just an estimate, with clever tricky naming. SCAM!!!

Simple and easy! Good, interesting resource.

I signed my wife up for WaMu (Chase) online banking the other day and her FICO score - 801 (lucky her!) - shows up on the main page.

I've been with WaMu online banking for ages and mine doesn't show, so I used Credit Karma instead. It shows a little lower than I'd expect - 755 when I'd estimated it would be in the 780s - but I can live with a general idea.

creditkarma is great! Never asked for money.

I went to annualcreditreport.com like it states above on site filled in the info for the free report like it says and it linked me to a paid site. It said if you want a free report you have to click AnnualCreditReport.com So you go back to that which is the same site that redirected me to the pay for report site.Why is this happening????

An FYI for those out there about to do a refi or purchase a home and want to make sure there credit scores are as expected. I have been in the mortgage business and just today applied for a refi of my home. I had a free credit score from WAMU (now chase) I had another from quizzle, and another from Barklays Bank. These are numbers that come out of someones posterior! Quizzle shows me at 767, Wamu had me at 787 source Transunion. I call they say it came from credit bureau, I call credit bureau they say lenders make their own scores. Just a bunch of B.S. It gives you an idea but my actual scores this time were 706 to 729. 2 years ago my scores varied from 640 to 740!!! All bureaus had correct info. It is amazing to me and I have had to counsel people on credit. Just wanted to vent and give people information they might be able to use. P.S. I am paying an addition 1/2 point on my loan because of the difference in score. Thats $1247.50 in real dollars.

Watch, the first screen that comes up askes you to pay with bright colors look for the muted no thanks just the report and you'll see your report for free. Karma site is awesome giving a score and allowing you to see what might happen if you apply for a credit card or loan etc. Thank you for the great info.

Is "Upromise" a safe legimate site to register for money back for college savings?

Free? I tried getting the report from Equifax; entered my personal informatin and supposedly produced my report but had to log in to view it. I saw no way to register for an ID and passwod; per teh Equifax site "You automatically become a member when you purchase any of our products to help you understand your credit health." Free> Not!

I willingly paid $5.95 for my credit score from Experian. When I got it, it is called a "VantageScore" and it is NOT a number based on the scale we all know of 300-850 which we are all too familiar with. To quote the document "VantageScore is the credit industry's first credit score developed jointly by the 3 national credit bureaus. This innovative new approach to credit scoring simplifies the credit granting process for consumers and creditors..."

With this new knowledge, how do we know which scoring system is being used? Are they phasing out the old one (range of 300-850). This one has a different range of 501-990. Ugh!

Equifax made us think after we were a victim of identity fraud that they would protect us for a small fee each month. huge lie, we had 2 collections just show up that I found by checking our file myself. and getting help from them is like pulling teeth. No protection there. but someway they manage to sucker us for even more coverage.Still do not have all the problems cleared up. they are a huge pain. if I ever get this one last thing off of our credit report they are history. I would not advise Equifax to anyone. But I don't have a clue where to go from here. it is a Scary word. No protection. unless your are a criminal. this creep has been having fun with our credit for 2 years. Beware and Be very careful in your personel information. It was also very strange to me that all 3 credit companies, Equifax,Experian, and Transunion all said different.

I went on line using the link above to receive my free report. I received it and paid my $7.95 to receive my FICO score (not reading that it was free from Eqifax, my stupidity). My husband then wanted his but after accessing Equifax on line, my info came up and it made it look like I was being charged again. I cleared my cookies, and deleted history and went back on entering my husband's information again. AGAIN my info came back up and it looked like I was being charged again. I called so many numbers and could not get a HUMAN. I am furious!!!!!! I wrote letters to both Equifax and Annual Credit Report and will go to my attorney general if it shows up on my credit card more than one time. The web sites are useless as are the phone numbers. I AM HOT!!!!

The site is great. Clark you know your stuff. Thanks for the tip.

that pretty much sums it up. Very simple, and useful. Fairly accurate, and eye-opening.

Backing away and looking at this whole credit scheme makes me furious. These thugs rob - establish my credit rating for nothing, without my permission, and then sell it to many other ruthless agencies. They try to hold me up financially and basically exploit from us wherever they can. They load my mailbox up with crap that if someone rips off can destroy my credit. If our credit get screwed up we have to unwind it and prove to them we are not at fault. If we want to know what our score is we pay! Yes, then another thug comes along and offers protection of my credit scores for a price! This profiles like a crime family operation. The whole thing proves Corporate America has paid to establish a political price on our heads. It is then legal to declare open season on John Doe. It is time for Americans to take charge, it is our country and does not belong to these thugs!

I have a credit freeze on all three companies and have been able to retrieve my reports online without any trouble. I personally felt it risky to go to the other sites and jump through hoops to get a free fico score. When you request your reports, pay a small fee at that time to get your FICO. it's worth the few bucks and less headaches.

In the article it gives three places to get a free score.....I tried all three but Credit.com......wanted a credit card number to purchase something, but I had good results from Quizzle and CreditKarma......I don't know why Clark said all is free..

Rcvd all three Credit Reports free (although I had to request Equifax's twice) but each wanted to charge for a Credit Score.

According to Steven Snyder, the bankruptcy information Guru, the only true and reliable way to get your accurate credit scores is to use MyFico.com (http://www.myfico.com/12/Home.asp). It will cost you about $48, but at least you will get what you pay for. He is right. I made the mistake of trying "Free Credit Report.com" and went through hell trying to cancel their service after finding out free is not free. Don't believe everything you read and hear.

All I want to know is the ranges between score levels,i.e., what is the lowest number you can have and still have excellent credit.

Experian does not permit purchase of their score anymore (the true FICO score, not one of many bogus others they try to sell). Clark means well but as some have noted, he doesnt cover all details of this area. Check Steven Snyder's website via google search. Steve clears up a lot of myths re-consumer credit and has a newsletter, I beleive its free.

I tried several times to get my free reports but even giving them the correct accout numbers didn't get me a report. Very frustrating!

Useless. Do not give up your private information to strangers to get your useless score.
Solution: monitor your credit reports through www.annualcreditreport.com.

I started filling out info with Quizzle but read the Terms & Conditions & saw I had to agree to phone calls even though my # is on the Do Not Call list. I stopped at that point and will try to find out my credit score for free somewhere else.

I just got my credit score from creditkarma.com . It was quick and easy. Only issue is that it is not even close to being accurate. I am shopping for a refi and the broker pulled my REAL credit scores. All 3 were over 800...CreditKarma score just now was 769...over 30 points off..why even bother....

I went to Quizzle and CreditKarma and got my scores with no problem. Of course, you have to give them personal information so that they can verify it is you. I chose not to go with Credit.com because they wanted me to sign up for a monthly credit service free trial.

Hi Clark- Thanks for the trip to China . I like to listen to your show when I am not at work. I wish they had repeats of the show on the weekend.

On the radio show today, Clark told a caller that all three of these sites are NOT REAL SCORES! Why bother us? More SPLASH and INCOMPLETE information!

Used creditkarma.com and it was so easy. Nothing to buy and gave me my score instantly. I have sent the link to all my friends. Highly recommend it.

You offered 3 website that would furnish free credit reports but those sites solicited money for extra services

Using the AnnualCreditReport.com I received my report from Equifax.

I then requested a report on the same site using Equifax with different SS and different Birth Date for my wife.
To my surprise I received a second copy of my original report.

This makes my question the reliability and the security of this site

I don't like giving info like income, but it's necessary for some of these sites. I used Quizzle, plugged in my info, and got what I estimate is a correct credit score. They didn't ask for credit card number, and there was no payment needed. It shows the Experian score, my home value, and other helpful information.

I used AnnualCreditReport.com and very EASILY got my annual credit report from all three: TransUnion, Experian and Equifax. I answered questions correctly and they did not ask for any credit card info. Did they try to sell me stuff? Yes, but just answer No Thanks and keep going. Totally free. Very easy.

CreditKarma seems to work well, with no strings attached and no credit card requested. Of course, they do require "personal" information in order to obtain the report. Quizzle and Credit.com are semi-scams, and it's disappointing that CH would list them. My score was 774. I don't understand why it was not higher, since our credit is "perfect." Perhaps it's because we have zero debt? Anybody have an idea about that?

I went to AnnualCreditReport.com and requested an online report from Experian. They not only said no, mail it in or buy it, but they also returned my full SSN when I had entered only the last 4 digits. This is not a secure site

Your free credit score may also be unavailable if you have an "alert" in place on any of your accounts.

Soon Experian will no longer report to Fair Issac, Read "Experian will no longer offer FICO access for consumers" by Alexis Leondis/Bloomberg News

Free usually means free, no strings attached. I am disappointed to have been mislead by CH's headlines.

I went to www.annualcreditreport.com and I chose Experian. I have printed my credit report free.

Unfortunately, Experian is yanking its scoring from being provided to Fair Isaac so if you are like me, using MyFico.com for the true FICO score and credit scores -- you will no longer be able to receive the Experian score.

Hey Fl, they did the same thing to us too! Told me our "modification" was granted in Sept,but I called every 2 weeks for 24 weeks wanting a decision! They kept giving me the run around, telling me not to pay the old mortgage! I was uncomfortable w/that, so I sent in partial payments every 2 wks,they put it in some "hold" account! Now my husbands score is 100pts less! I was told to go to my congressman.CW is so messed up! 1/28/09 they told me I was approved for my modification dated 9/08!
I could have paid that, it was 200 less!

I had the same problem as el

I went to Equifax today via link from AnnualCreditReport.com, and saw no link to get free report due to denial of credit/CC fraud. Decided to just get my yearly free report. That did not work, as when I clicked link to "View and Print Your Online File", I went to a user/password login screen, and I had no user/password!! Tried this twice, second time found link to apply due to fraud - never got my report. EQUIFAX SITE STINKS.

they wanted money and that is not free

I do not call it free if they want my Credit Card #.

Today, Jan 29, you talked about the WAMU credit card which provides the 3digit FICO credit score on the monthly statement. This also is a feature of the on-line access to the WAMU credit card. It was a carryover from the original PAYPAL credit card from Providian, which was acquired from Providian by WAMU. Coincidentally, I received my letter from Chase today, advising that the WAMU on-line site would be closed and the acquisition of WAMU accounts completed on 09MAR09. I called the customer service number for the card and was informed that the new CHASE site will not provide a free FICO score, but that I could purchase a CHASE product of credit scoring which will provide me the ongoing FICO score. Thought you might want to follow up with this info for any WAMU cardholders who have not found this out yet.
Love your show. Thanks for all you do.