This is going to take you signing up for a product, credit monitoring and then canceling it before you are charged. This is the only way to get a free credit score online.

Credit monitoring is a service offered by many different companies like the three major credit bureaus. They monitor your credit 24/7 365 days a year. They look for changes and potential indications of identity theft. It really is the choice of people looking to get a good credit score.

So this is how you get a free credit score online. You must sign up for one of these credit monitoring services. That does mean you have to put down a credit card. Most credit monitoring services will not charge you up front. The best ones have a 30 day free trial. So you then have 30 days to review your credit report an unlimited amount of times. This will also give you a free credit score online instantly.

Then you must decide whether to keep the credit monitoring or cancel it. Credit monitoring is usually a monthly charge, but can be purchased at a reduced price up front for the whole year. It is really what people do when they want an excellent credit score or even good credit score. If you don’t want it then cancel it. This will prevent you from being charged for you free online credit score.

You have to be careful because you do have a grace period to cancel these. OK, maybe this is a bit dishonest, but it is totally allowed by their terms and conditions. In my opinion credit monitoring is actually worth paying for. Why? Because today there are some many different things that threaten your credit. It is nice to have something watching it for you. And if you are like me, lazy, I don’t want to be reviewing my credit report for identity theft. I would rather have someone do it for me. Also, if you want a good credit score, you have to look at your credit report more than once per year and this is going to cost money. Often this is going to cost more than credit monitoring. But with credit monitoring, I have unlimited access to my credit report. So it is actually saves me money.

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