How often can you get updated credit reports and scores and how much do they cost?

Written on July 13, 2011 – 10:45 pm | by Brayden Lorenzini

Q: How often can you get updated credit reports and scores and how much do they cost?

A: You can get your credit reports and scores as often as you like, without having it affect your credit score. Everyone can get their 3-bureau credit reports for free once a year at annualcreditreport. Credit scores will cost you though, and purchasing all 3 will cost about $50, which adds up if you’d like to check them several times a year.

Although getting your reports (and not your scores) for free is a nice service, the downside is that you don’t know what’s happening to your credit reports the other 12 months of the year. Your credit report changes all the time, and it’s a good idea to be abreast of what’s going on. The easiest (and most cost effective) way of doing this is signing up for a credit monitoring service that will monitor your 3-bureau reports and alert you if there are are any changes.

The good news is you can get 3-bureau credit monitoring, and 3-bureau credit reports and scores for just $1 when you sign up for the PrivacyGuard 30-day trial ($14.99/month after the trial period ends). And PrivacyGuard provides updated reports and scores every month, a great deal. As mentioned above, getting all 3 of your credit scores usually costs about $50, but with PrivacyGuard you’ll get them every month as part of the service. In addition, PrivacyGuard includes a free subscription to Norton Internet Security Online, and a host of other goodies. All-in-all, if you want frequent updates to your credit scores and report and 3-bureau monitoring this is a honey of a deal.

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