Free Credit Score

Illinois Free Credit Score

Residents in the state of Illinois are eligible to qualify for a freecredit score from Experian, FreeScoresUSA and Equifax at no charge from FreeScoresUSA.

Additionally, Illinois consumers are entitled to a free credit score if they have been denied credit within the past 1 month. With FreeScoresUSA, they also include a credit monitoring service that automatically alerts you to any inquiries on your credit.

Checking Your Credit Report Does Not Hurt Your Credit Score

Some people in IL believe that if you check your credit score, it will automatically lower your overall credit score. This is absolutely not true. Checking your credit report once a year will not hurt the actual score. However, if you start applying for 5 credit cards at a time along with 3 different mortgages, the additional credit inquiries my cause the credit card companies and banks to question your financial situtation. If you are applying for a mortgage, simply hold off on applying for any credit cards or department store credit cards until you have closed on your home.

Experts in Illinois agree that manual fraud monitoring just does not make sense. Having an automated credit monitoring service will alert you whenever any credit checks are down on your credit report. There have been cases where people in Chicago had their identity stolen from some folks in Springfield and only found out some 5 years later after they tried applying for a new home loan. Take advantage of FreeScoresUSA's no strings attach online free credit score. Just be sure to cancel the 7 day trial offer after you sign up for your free credit score online if you do not wish to be charged every month for the credit monitoring service.

All Illinois Residents are eligible not just citizens from Chicago, Springfield, Peoria, Rockford, Schaumburg, Hoffman Estates, Carol Stream, Bloomington, Aurora, East Saint Louis, Oak Lawn, Palatine, Naperville, Joliet, Decatur, Champaign, Bedford Park, Evanston, Belleville, Lincolnwood, Oak Park, Long Grove, Des Plaines, Loves Park, Swansea, Hinsdale, Oak Brook, Harwood Heights, Melrose Park, Barrington Hills, Norridge, Beach Park, Burr Ridge, Bensenville, Wheaton, Willowbrook, Elgin, Carbondale, Bartlett, Crystal Lake.

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