Free Access to Credit Scores Act — Consumers already have the ability to request their free credit report once a year, but a credit report does not include your credit score. These two items are often confused to be the same, which they are not. You generally must pay to see your credit score — it’s a three-digit grade that predicts how risky you are to a lender.

Most people can get confused when it comes to checking their credit scores. Consumers wonder which credit score should they check, what’s the best credit score website and are credit scores really free? These questions are asked often, but rarely do people find the right answers.

Get your free Wells Fargo credit score and complimentary credit report by visiting any Wells Fargo location to get your personal access code. For more information about this limited time promotion, visit https://www.wellsfargo.com/freecreditscore and take part of the “Get Smart About Credit” program Wells Fargo is offering.

Now through Sunday November 16, 2014 — Wells Fargo is offering customers a free view of their credit scores as well as complimentary credit reports, according to a statement from the bank. This is the third year the bank is offering its Free Credit Score promotion, which more than 800,000 customers have taken advantage of since it first rolled out in 2012.

So, you can get your TransUnion Credit Score for free? You can get absolutely free credit monitoring? These are services that people pay good money for and Credit Karma, a company that isn’t affiliated with any of the credit bureaus, is giving it away for free. Does this sound too good to be true or is Credit Karma a scam?