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Mark Cappel
UpdatedAug 31, 2007

Why are there so many free credit report score offers?

Why are there so many free credit report score offers that do not include Alaska into their credit report?

You must be very careful when trying to obtain a free copy of your credit report and credit score. Many of the "free" offers you see online actually provide a free copy of your credit report and credit score only after you sign up for a "free trial" of some product the company or an affiliate company offers, frequently some type of credit monitoring service or loan offer.

I cannot say specifically why any specific company does not extend its credit report offer to Alaska, but it may be because the product associated with the "free" credit report and credit score offer is not available to Alaska consumers. Generally speaking, I discourage consumers from obtaining a credit report and credit score, or any other product for that matter, by enrolling in "free trial offers," as many consumers forget to cancel the free trial and end up being charged large fees for services or products they do not want or need.

American consumers, including Alaska residents, can obtain a no-cost, no-gimmick copy of their credit report once every 12 months by visiting

This Web site is sponsored by the three major U.S. credit reporting agencies, Equifax, Experian, and TransUnion, in response to a law passed by Congress requiring the credit bureaus to provide consumers with a free copies of their credit reports once every year. Each of the three agencies maintain separate credit information, and each will generate its own credit report. You can request all three of your credit reports at once, allowing you to cross check the information on the three reports, or you can request them one at a time over the course of the year, so you can keep an eye on new information appearing in your credit files. If you are planning a large purchase in the near future and need to maximize your credit score, comparing all three reports is probably a good idea. However, if you simply want to monitor your credit reports, then you should probably pull one report every few months to check for new items.

Unfortunately, will not provide with a free credit score. However, the bureaus will provide you with your credit score for a relatively small fee when you request a copy of your credit report. While you may be able to obtain a credit score from one of the "free" commercial sites, I recommend that you pay the small fee to obtain your credit score directly from the credit bureaus rather than enrolling in a "free trial" offer, which could end up costing you a lot more money.

To learn more about credit, credit reporting, and credit score, I encourage you to visit the Credit Resources page.

I hope that the information I have provided helps you Find. Learn. Save.