Should I subscribe to free credit score reporting ? Sears is offering a subscription for free.?

Deal Score0

I dont known if I should go for this, I heard everytime you check your credit score you get “dinged” further.

Sears offered a free FICA check every month ” a 96$ value.

I have no IDEA what to do.

  1. Reply
    J B
    June 29, 2011 at 4:30 pm

    I would read the “fine print”. You can get a free credit report from each of the three major bureaus one time per year ( I recommend spreading them out, i.e. Experian in January, TransUnion in May, Equifax in September). Go to (Not Free Credit Report – wrong one!) They do not give you a FICO score, however, unless you pay for it. If you need to have your FICO scores, I recommend going to and looking at Suze Orman’s FICO kit. Also google it to see if you can get it for a better price somewhere else, because sometimes you can. Educate yourself about credit at also – click on Credit Education. What you don’t know CAN hurt you.

  2. Reply
    June 29, 2011 at 4:42 pm

    There is only one really free credit report – all the other ones have some kind of catch, like having to subscribe to something that they hope you forget to cancel, etc.

    And it won’t affect your credit score when you inquire about your own credit score – it’s only when some other entity (store, bank etc.) checks on it.

  3. Reply
    doreen k
    June 29, 2011 at 5:37 pm

    You can get your free credit score at It is your score from data reported to TransUnion, one of the three major credit bureaus.

    As others have stated, the site where you get your free credit report is

    No reason to sign up or pay for either, unless perhaps you were going to buy a home and you wanted to see your credit score from Experian and Equifax. Then, I would go to That’s less expensive than paying a monthly fee.

  4. Reply
    †Ask Me Anything†
    June 29, 2011 at 6:13 pm

    I would NOT do it. Believe me, there will be some sort of monthly fee for this that is in the fine print. Why on earth does SEARS of all places need to help you monitor your score. Tell them you can *monitor* your own score. Unless you want to get hit with a subscription you will have a hard time cancelling, do not do it!!!!

    Also, checking your own FICO score does not count as an inquiry.

  5. Reply
    June 29, 2011 at 7:05 pm – try this site. I use it to monitor my credit and also cleaned off some bad items from my credit report. You can apply for free initial plan and get your scores and reports for free.

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