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When You're Entitled to a Free Credit Score

Four Situations When You're Entitled to a Free Credit Score

Acquiring your free credit report is relatively simple: Just remember to visit for up to three reports each year, not tricky

Unfortunately, getting your free credit score isn't as direct. There are certain little loopholes that can get you a complimentary score, but there also a handful of legitimate circumstances that grant you a free credit score — no slick loopholes required. Find out four situations which entitle you to a free score when you


  1. Identity theft: If your identity has been stolen or you have reason to believe it's been compromised, contact the credit bureaus about getting a free report and score.
  2. Denied credit: Contact the agency which reported your score to the creditor that denied your application and request a free score and report.
  3. Unemployment: As long as you're planning on job hunting within three months, you're entitled to a free report and score from each agency.
  4. Welfare: You won't be charged for your credit score if you're receiving welfare.


Join The Conversation
starofsorrow starofsorrow 8 years
Interesting! i didn't know you could get a free score - I'm on SSI....would that be considered welfare?
Cassandra57 Cassandra57 8 years
This is great information, and something a lot of us may not know. Thanks for sharing it!
MelissaIsTheBest MelissaIsTheBest 8 years
Denied credit? Any ol' denial would do? I remember when I was trying to establish credit I'd get denied - I would apply for something different every few months until I was finally approved for something.... but I didn't know I could have received a free credit report from that. Any ramifications from requesting a report because of this purpose? LaurenG22 - Do I request the copy from TransUnion or ask for a copy from my insurance agency?
LaurenG22 LaurenG22 8 years
Check with your insurance agent as well- most use this "insurance score" that is based on your credit. By allowing them to pull up your "insuranvce score" you are entitled to a free copy of your credit report from Trans Union.
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