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crecitt. Working With Your Credit Score When you see advertisement after advertisement on television of businesses who want you to find out your free credit score, that is a red flag that someone is looking to make some money off of you. The funny thing is they are not lying to you but at the same time, you are exactly right that those companies paying good money for television advertising are looking to make a buck off of you. The truth is, you can actually find out what your credit report says about you. What they are telling you about that is true. Your credit report tells you your credit score which helps you understand how creditors see you which is important if you go to get a new loan. But your credit report also shows a detailed history of your past use of credit, currently open accounts and anyone who has checked your credit score in the last year. This is important information for you because anyone can check your credit report anytime they want to. And if there are too many inquiries on your credit report, that itself can drive down your score. So if you find someone is checking your score too often, you can take action to put a stop to it. But there are a couple things they are not telling you on those advertisements. One is that if you use their services, they will give you the credit report for free but not the credit score.