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The catch is that you’re charged for the subscription if you don’t cancel within a certain amount of time, usually seven days.

You may get a free FICO score with a credit score disclosure, but that’s only if the bank used a FICO score in making their decision.

Otherwise, you’ll get another score, but it will be the actual score the bank used, rather than an educational score.

It’s not hard to find a website promising a free credit score.

It’s more difficult to find a website that gives you a truly free credit score without asking for your credit card number.

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.