Reader Question: I want to get a free credit score without getting scammed with fine print and having to pay if I don’t cancel. How can I get that?

Answer: Yes, trying to get a free credit score can be frustrating. A lot of companies that say they offer free credit scores don’t tell you that they are going to start charging your credit card after the first month, and some can even nail you with fine print that requires you to pay, even if they weren’t upfront about the costs when you signed up. So is there a way to get a true free credit score? Yes, although it’s not easy. There are not many companies that can offer you a straight-up free credit score, but we’ve put together a list of companies that offer truly free credit scores:

Best Free Credit Score Without Giving Your Credit Card Info: Credit Sesame

This is the best service I’ve seen when it comes to free credit scores. You can add some of your basic information, including your social security number, but you don’t have to give them any credit card information, which means there is no fear of you being charged without your knowledge. Also, for being a free service, they give you a ton of great features, like a graph that shows you how you are doing when it comes to your credit score, your debt and how much you might be overpaying in interest and fees. If you want your full credit report, you can purchase it for $9, which is a nice feature to have. Overall, it’s one of the best free credit score services that offers the most features for, well, nothing. You can check out the Credit Sesame site here.

Easiest Free Credit Score Trial to Cancel: LifeLock

Lifelock has a very robust set of features that go beyond your credit score, including a full credit report, credit monitoring services, identity theft services and other features like removal of your name/address from mailing lists. It has a 30-day free trial, which is longer than most credit report monitoring services, and is one of the easiest to cancel. We called and were able to cancel our service with no hassle, which is nice. And if you do decide to stick with Lifelock and pay for the service, you get 15% off your final bill. You can check out the Lifelock site here.

Most Complete Free Credit Report:

Every person with a social security number can get all three of their credit reports for free once every year by going to The only downside to this is that they do not include your credit score. However, these are the most accurate reports you can get your hands on, since they are issued by the government. If you want to check out your free credit reports, go to here.