You've heard you can get a free government credit report but what about a free government credit score? You hear how much your credit score affects your financial life - you can be denied a job or job promotion due to a low credit score. You can pay higher home and car insurance rates due to a low score. You can also pay higher interest rates for all your loans and credit cards due to a low score.

So in this hub you'll learn what you can and cannot get free from the government's credit service and how to lower what you pay for your insurance and interest rates.

When you go to annualcreditreport.com (this is the government's credit service) you will be able to get free copies of your credit report from the 3 major credit reporting agencies - Experian, Equifax, and Transunion. In the process of getting your free credit check, you will be given the option to buy a discounted copy of your credit score. No mention of how to get them free.

When you go to annualcreditscore.com you will find an undeveloped domain that does not contain the government's program for free credit scores. That is because the government does not provide free credit scores. They only give you instant access to your credit reports and you have to pay for your scores if you want them from the annualcreditreport.com site.

Click Here To Get A Free Credit Score

But there are ways for you to check your credit score free.  This site allows you to get instant access to your credit report and score totally free.

But there is a small catch you need to be aware of. It's not really a catch. Credit scores and reports cost money. Someone has to pay for those things.

When you get your score and report, you will be starting a free trial to a credit monitoring service. This will monitor your report and alert you to errors and possible identity theft threats.

Preventing identity theft is much better than recovering from identity theft. So it really is an affordable way to protect your score and identity.

If you don't want to accept this "catch" you can cancel before the free trial period is over and you will not be charged anything. That's all there is to it.

So you can combine this free credit score with the free government credit report and get a complete picture of your financial health.

Click Here To Get A Free Credit Score