Free Credit Report and Score Monitoring?

Did you know beginning later this month(June 16, 2008), you will be able to get free unlimited access to your credit report and score? It's true! After confirming it with multiple sources, I am bringing you the information, so that you can take part in this limited time offer.

I first heard about it on Saturday mornings Today Show. After which, I began looking on the news sites. Where, I found several more articles on the deal.

It seems that there was a class action lawsuit against TransUnion. TransUnion denied any wrongdoing, but agreed to settle the case to avoid lengthy litigation expenses, according to the settlement.

Millions of consumers will soon be able to get their credit score and up to nine months of credit-monitoring service for free from TransUnion, which reached a preliminary settlement of a class-action lawsuit this week.
- SeattlePI.com

Giving millions of Americans a great opportunity, to check their 3-digit credit score, which determines the interest rate you'll get on mortgages, car loans and other credit accounts. However, the expert interviewed on the Today Show warned that the credit score that TransUnion gives you will be only a TransUnion score and will not be the FICO score that banks, financial institutions and other lenders use. Still though, it does give you a good idea of that number that Dave Ramsey calls "the I love debt score."

I strongly recommend taking advantage of this offer, if you qualify. So how do you qualify?

If you had a credit card, loan or credit account between January 1987 and May 28, 2008 (this will include millions of consumers), you'll be able to elect one of two options:
- SeattlePI.com

Finally, if you do qualify, there are two options that you have.

(1) Basic relief. Free credit monitoring for six months, which gives you daily access to your credit report and credit score and 24-hour credit-monitoring service. This normally costs $59.75. Those who elect this option may get a cash payment if there's money left from the $75 million settlement fund.

(2) Enhanced relief. An alternative enhanced set of services" in exchange for a full release of claims. This options includes nine months credit monitoring, a suite of insurance scores and TransUnion's mortgage simulator service. This option normally would cost $115.50. You won't be entitled to any cash payment under this option.
- SeattlePI.com

If it were up to me, I would take the 6 month option, in hopes to getting that check also. However, if you don't want the cash payment, then go ahead and take the 9 months option. No matter, which option you choose, remember to cancel at the end of that period of time.


So how do you get benefits? Starting June 16, you'll be able to register online at www.listclassaction.com or call 1-866-416-3470.
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