just for trying Credit Adapter

All 3 FREE Credit Scores — unlimited online access to all 3 of your Credit Scores — one from each credit bureau (Trans Union, Equifax and Experian).
All 3 Credit Reports — information from all three credit bureaus combined into one easy-to-read report.
3-Bureau Credit Monitoring — with alerts of activity to your files with all three credit report bureaus.
Delivered to you online quickly and securely

After ordering your 3-in-1 Credit Report and all 3 FREE Credit Scores, you will have a full 7 days to try Credit Adapter FREE. Check each credit report and credit score to be sure the information from all 3 bureaus is correct.

FM101

Credit Reports • Credit Scores • Credit Monitoring • Credit Bureaus

Credit services provided by TransUnion Interactive, Inc.
*Credit Adapter provides you with the tools you need to access and monitor your financial/credit information through the program's credit reporting and monitoring benefits. Credit Adapter and its benefit providers are not credit repair service providers and do not receive fees for such services, nor are they credit clinics, credit repair or credit services organizations or businesses, as defined by federal and state law.

Site Map • Contact Us • Privacy & Terms of Use

Free Credit Score

A credit score is a numerical representation of how likely you are to pay your debts in a timely manner. It is calculated using a mathematical formula based on the statistical analysis of your credit report. The three digit credit score determines your credit worthiness, i.e. your ability to repay your loan. It is therefore an important statistic determining your financial future.

Credit scores are used by lenders like banks and credit card companies to anticipate the risk involved in lending to a certain customer. These lenders use the credit score to determine the rate at which they should lend you money.

Credit Score Differences

In the United States, there are three main credit bureaus that assign credit scores based on your credit report – Equifax, TransUnion and Experian. All of these credit bureaus issue credit scores to you according to individual evaluation methods. Since these bureaus work independently they may each score you differently. The score from each bureau will be determined by the credit report information (your credit history) stored in their database to calculate the scores.

Credit Score Calculation

The most common method used for calculating credit scores is the FICO credit score, developed by Fair Isaac's Corporation. Having been pioneered by the corporation, the method is named after it. Lender's typically look at all 3 credit scores to make sure they have your most accurate credit information.
You may use this site to get all 3 free credit reports, all 3 free credit scores, and all the facts about your credit report, credit report score, and credit monitoring!

Free Credit Report and Free Scores

Get the most complete personal credit information available! You'll know where your freecreditscore stands no matter which bureau your lender uses to check your credit history! Your credit report and free score information from each main credit bureau (Equifax, Experian, & TransUnion) will be combined into one easy-to-read report. Get your All 3 FREE Credit Scores and All 3 FREE Credit Reports Online! A free credit report and free credit score from each credit bureau is included with your free credit monitoring trial membership.