Credit report with score free is available form the three credit bureaus, Equifax, Experian and TransUnion. These bureaus are the authorized agencies for credit reporting and by law they are supposed to give one credit report with score free every year. You will find many websites on the internet which promise to provide credit report with score for free, but most of them are fraudulent and are just trying to attract you to their sites and other services.
Many other companies offer credit report with score for free, but will charge you after a free trial lasting for 30 days. After the trail date is over you are required to pay an amount as membership fees. These companies also will make you fill up an application form when you sign up for the free trial. In this application they will ask for your credit card details, so that they can automatically bill you when your thirty days trial is over. One should be careful of such companies as you would be under the impression that since you have not requested their service after 30 days you will not be billed. But this is not the case, and since the company has already got your credit card details they automatically start billing you. In such cases you will have to give written instructions before your thirty days are over, that you do not wish to continue with their services.
The only place you can actually get a credit report with score for free are the three bureaus and that too once every year. The only time you are eligible for more than one free report and score, is when you prove, that you have duped with an identity fraud. Other than this there is no website which will provide you with credit report with score for free, once your trial period is over.
Many people have taken advantage of once a year free accessibility of credit report and score from the three bureaus. The report and score will provide you with a clear picture of your creditworthiness and how companies and lenders perceive you as their potential customer. The websites of the three bureaus provide you with information of how you should read the report and the sections which affect your credit score. This will give you a fair idea of which of your financial activities are responsible for your present credit score, and how you can improve it.