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Each of the three bureaus must provide one free report every 12 months. You may request all three simultaneously or spread out your requests through the course of a year. Sign up for USA TODAY's Personal Finance e-mail newsletter. Every Friday, you'll get a week's worth of USA TODAY's personal finance news and columns. The experienced columnists and reporters at USA TODAY give you the news you need and advice you trust. Temple, an accountant, surfed to TrueCredit.com, a popular website owned by TransUnion, one of the Big Three credit bureaus. There she purchased her TransRisk credit score, TransUnion's assessment of her credit worthiness. Temple thought her score 608 was just high enough for her to qualify to buy a $207,000 home in a gated community in Holiday, Fla. WATCH OUT: Typos can lead you to imposter credit sites "I was free credit checks Cincinnati so excited," says Temple, who signed a purchase agreement with her fianc. The mortgage company, it turned out, judged Temple, 33, differently. It looked at her FICO score, the assessment widely used by lenders, based on a formula supplied by Fair Isaac. Temple's FICO score was nearly 100 points lower than her TransRisk score. "Needless to say, we had to back out of our contract," she says. Temple didn't know that TransUnion and the other bureaus are trying to wrest control of the credit-scoring market free credit checks Cincinnati from Fair Isaac. She had no way of knowing the competing scores differed. Confusion awaits any consumer who dares tread online in search of a credit score, personal finance experts say. free credit report all three bureaus "It's one of the biggest rip-offs you can find," says credit consultant free credit checks Cincinnati John Ulzheimer, author of You're Nothing But A Number: Why Achieving Great Credit Scores Should Be On Your List of Wealth Building Strategies. Consumers are also getting tricked into paying for basic credit reports before obtaining the ones they can get free, as mandated by the federal government in 2003. The free credit checks Cincinnati only place those free reports are available is at AnnualCreditReport.com, run jointly by the Big Three (Experian, TransUnion and Equifax (EFX)).