Free Credit Score? Not Necessarily. Credit Bureaus Busted for Deception

Consumers should know there is no completely free place to get your literal FICO credit score. Zero.

But you are entitled to get one free credit report each year from each of the three bureaus at

Online sites CreditKarma and CreditSesame will give free credit scores based on one of the three bureaus reports that are very close to the FICO score. For most people that’s good enough for general monitoring.

If you’re shopping for a home where a few points could impact the kind of mortgage you can get, it’s worth getting the actual FICO score. You can either get that by paying up, or through a service that gives you access to your credit score as a customer benefit, like Discover, Capital One, or Walmart.