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She recalls being guided to a Web page where she typed in a credit card number, as directed, thinking it was part of verifying her identity. Actually, free credit report free credit score San Antonio Duenas had signed up for trial use of a credit-monitoring service. After a month of free service, Experian initiated a recurring $13-a-month charge, which free credit report free credit score San Antonio was dropped only after Duenas complained. The FTC and Experian say the service was properly explained.

Consumer advocates advise credit data shoppers to remain extremely wary.

"The credit bureaus continue to foster consumer confusion and profit handsomely," says Jeannine Kenney, senior policy analyst at Consumers Union. my credit rating "It's a disservice to consumers." Shopping for a credit score can be mind boggling. That's because, like Temple, most consumers are oblivious to the rising turf war between the Big Three and Fair Isaac, supplier of the formula for calculating FICO, the score lenders most often purchase from the bureaus to determine a loan applicant's credit worthiness.

About 18 months ago, the bureaus began offering lenders an alternative score: VantageScore, based on an algorithm of their own contrivance. free credit report maryland By pooling their data, the bureaus claim, they've come up with a scoring tool more accurate than FICO. The Big Three have begun to whittle away at free credit report free credit score San Antonio Fair Isaac's long-held dominance of the credit-scoring market. "We expect VantageScore to become the pre-eminent offering free credit report free credit score San Antonio over time," Experian's Girard says. Experian and TransUnion are simultaneously delivering VantageScores as well as other proprietary scores to consumers who have no inkling how the bureaus' proprietary scores differ from their FICO scores, personal finance experts say. clark howard free credit report "Fair Isaac has done a good job of almost having a monopoly," says Chris Larsen, founder of E-Loan and Prosper.com, online consumer lending services.