We will address the evil side when getting free credit reports score. Some of these problems with the current credit reporting system may affect your financial future and determine if you will be able to get a home loan, car loan, or even a job. Read more about the deep end of free credit reports score.

Click here to access your free credit score so that you can follow along with our guide.

Why should you get a free credit reports score?

With the free credit reports score that you get online, there are 5 industry versions of the FICO score that you will never see. But it is still a good idea to rely on the scores you bought online. This gives you a general idea where your score stands, whether if it’s on the high end, middle, or low end of the FICO score.

What do you really get when you get a free credit reports score?

You get three FICO scores based on Equifax, Experian, and TransUnion. But did you know that two of the three credit bureaus only sell consumers a version of the score that isn’t really a FICO score? It’s true. The numbers from Experian and TransUnion are not true FICO scores. In fact, Experian and TransUnion never give out your true score and they are knockoff scores and they may differ from what the creditor judges you on. They only give out “educational” scores which are close enough for you to make a judgment on your score, but still holding out on some information to give them more leverage.

At ReallyFreeCreditScore.com, we give you the closest match to your credit score and report that the industry leaders can see so that you can educate yourself. Click here to get your really free credit score.

Tip: Pre-approved offers that you receive in the mail, do not necessarily mean that you have a high credit score. Keep in mind that credit card companies want to acquire as many customers as they can and the “pre-approved” message is part of a marketing gimmick to get you to sign up.

The fact of the matter is that “pre-approved” does not mean pre-approved. Confusing, but it is just a way to get you in the door to become a customer first with these credit card companies.

Be extremely wary of mixed files happening with your credit reports score.

A mixed file happens when someone else’s information on their credit report gets attached to yours. This is a horrible situation to be in because if you have stellar credit, someone else with bad credit can ruin your score.

These things happen because of human error. Some social security numbers and other information are similar in nature, such as names, addresses, and geographical locations.

To protect yourself from something like this happening to you, you must check your credit reports score often to see if there are any discrepancies and errors. It does not hurt your credit score if you check it yourself so check it often and make sure everything is correct.

Click here to get a free credit score from ReallyFreeCreditScore.com.