This law, unfortunately, doesn’t give consumers access to their credit scores.

But, there’s another law that gives some consumers a free credit score, but only after making a credit-based application.

No cc needed hook ips-22

There are a few ways you can get a free credit score without entering your credit card number.

Credit provides your free credit score based on your Trans Union credit report.

Then, you get a 0% balance transfer offer on a new credit card.

You can move your $5,000 balance to the new card and you’ll have a whole year to pay it off with no interest.

Credit Karma, Quizzle, and Credit Sesame all give you a credit bureau’s version of your credit score, i.e a FAKO score.

These scores may vary from each other and typically vary from your FICO score even based on that bureau’s credit report.

What many consumers don’t realize is that carrying a balance from doing a promotional balance transfer – not just from making purchases – can mean losing the grace period.

With no grace period, if you make any purchases on your new credit card after completing your balance transfer, you'll rack up interest charges on those purchases from the moment you make them.

For example, banks don’t have to send the credit score disclosure when they use an in-house credit score and insurance companies aren’t required to disclose the credit-based score used to assign your insurance premium.