freecreditreport.com
Although...my credit union updates my credit score quarterly. It has it's own tab within my account info online.
Freecreditreport.com is one of those for profit places that makes you enroll in credit monitoring. Yes, you CAN cancel, but they often don't make it easy. It's also probably not your true score. Really, if you want your FICO score, you generally have to pay for it. Your credit
report, however, is free at annualcreditreport.com, a site the companies were forced to set up by the feds...rest assured, they didn't
want to give them for free.
And, once again, oftentimes, although not always, scores received through secondary sources are specialized scores that are calculated on a different scale. I sometimes see people stating their credit score is close to 900. The general consensus is FICO only goes up to 850. That's what they say, but in reality, there is some debate about that because they keep some of their info private. 830 on a true FICO scale would be an awesome score.
BTW, even on the FICO site, the first option presented for a "free" score requires you to enroll in credit monitoring. It will only give you one of the two scores available to you. If you want your TransUnion score, there is an additional charge of $17.95. To just pay for your two scores outright, you need to click "fico scores and credit report" and then "check it." Each score (without a discount code) is $19.95. The monitoring
seems cheaper, until you see that Score Watch requires a three month minimum and the other one only gives you your TransUnion score. And of course, they are hoping you will forget to cancel after 3 months. Remember, a lot of outside places that might seem cheaper will only give you what's called a FAKO score, not your true FICO score. Fakos
can be useful to get a general idea of where you stand, but it is not your real score. For example, I use creditkarma.com about once a month to get my faco transunion score. However, I know it is not my real score, and in my case, I know it is lower than my other scores. Why? When I pulled my credit reports from annualcreditreport.com some years ago for the first time, I noticed my paid on time for years mortgage does not report to transunion. If I did not know this, I might think both my scores were in the same general area. They're not. (which is why, say, if you are applying for credit anywhere, it is good to investigate WHICH score they pull---some places do one, some more than one. If you are looking for a credit card, and one of your scores is marginal and one is better, the chances for acceptance go up if you apply to a card that you know will pull your better score.)
Whew! I got pretty long-winded here. Sorry.