Free FICO Score with 7 Day Trial from Equifax- Why Not?

by Darwin on March 31, 2010

Equifax has a promotion running where you get get a FREE peak at your actual FICO score (this one is the most valuable and utilized routinely in the credit industry compared to any of the individual credit bureau scores).  Additionally, you get access to Score Power which tells you where you stand in comparison to others and how various actions will impact your score should you perform certain activities.  All you have to do is sign up for the trial and cancel within 7 days.

Your FICO score is critically important so many facets of your financial life ranging from what kind of rates you’ll pay on car and home loans to whether employers will pass during a credit check even if you did well during your interview.  Since it’s free and effortless, it’s definitely worth the couple minutes to check it out and see where you stand.  Visit the Equifax FREE FICO Score page for access.

The fine print (red bold was added by me):

* To receive your 7-Day free trial, you will be required to provide a credit card when you sign up. If you don’t cancel by the end of the 7-Day free trial period, we will automatically renew your subscription and charge your credit card $14.95 for each month that you continue your subscription. You can cancel your subscription at any time. Cancellation will be effective as of the end of then-current monthly period.

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{ 6 comments… read them below or add one }

1 Money hints April 5, 2010 at 12:49 am

It is a great idea to check your fico score at least 2 times per year. you get 1 free time but I always recommend that you pay for the second one just to make sure everything is in order. You never know when you might need to rely on your fico score.

[Reply]

2 Cliff April 10, 2010 at 9:41 am

I tried this, its a litte bit of a hassle to cancel (must be done by phone, not online, have to listen to both recorded ads and then to a very nice but persistant salesperson attempting to persuade you to take a cheaper service or the same one discounted $2/month).

Probably to be expected, but cancelling is a little harder than signing up.

[Reply]

Darwin Reply:

@Cliff, Glad it worked out. I’ve tried various one-time services and canceled immediately following and as long as it’s a large reputable company I’ve never had a problem. So, how was your score? Good?

[Reply]

3 Pascale laguerre May 3, 2010 at 11:13 am

I would to cancel the 7-Day free trial period,

[Reply]

4 Wes May 20, 2010 at 7:11 am

I did this. No trial, charged immediately, and no access to FICO. Had to spend 45 minutes on the phone with CSRs in China to get a refund. Don’t bother. Ketp on saying “there is no such thing as a free trial”.

Experian sucks.

[Reply]

5 شات April 15, 2011 at 2:42 pm
6 شات April 15, 2011 at 2:42 pm

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