New Site Promises Free Credit Score

The Associated Press

Add another Web site to the confusing array offering "free" information about your credit:

The Basics

Most consumers understand that your credit score is key to getting a mortgage, credit cards and other loans. But while companies that collect personal credit data are legally required to provide a free credit report each year, there's no requirement to provide a free credit score.

Enter Experian, one of the three major credit reporting agencies. The company behind, the site known for its singing spokesman, recently launched, which promises to provide a free score when you sign up for a 7-day trial period for its credit monitoring service. It's even holding a contest to find a new songster to pitch this site.

The service is $14.95 per month, and also provides access to your Experian credit report and periodic credit monitoring — which involves getting updates about credit activity in your name.

The Lowdown

Like its sister site, requires users to sign up for a trial membership for its service, including providing credit card information, before it provides any information for "free."

You'll be charged $14.95 if you don't cancel the service — which must be done by calling a toll-free number within nine days. The website makes it clear you won't be able to get a refund for any membership fees already charged when you cancel.

The price is on par with other services that provide credit monitoring, which can help detect identity theft.

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