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Free Credit Score Tips is dedicated to helping you get and improve your credit score with useful tips and tricks.

There are so many offers for free credit scores. You see them everywhere: on TV, in magazines and just about every website you look at. Of course, each ad will try to convince you that they have the best way to check your credit score. But which one can you trust? Will it really be free? Is there a catch? These are the obvious questions. But the most important question is not so obvious. It's a question many people don't even think about asking. The question is: Which credit score are they offering?

Your credit score is based on the information in your credit report. Each item in your report is given a numerical value, and that value is either added to your score if it's a positive item, or subtracted if it's a negative item. The companies that sell credit scores (or offer them for "free") can use different formulas to determine your score. Each of the formulas may assign a different value for the same item on your report, so obviously they will come up with different scores. To make matters worse, some of the formulas that are used are based on different scales. That means a score of 740 from one formula might be considered a good score, but 740 might only be a fair score from another.