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Credit.com is a reputable website run by professionals. Of course, nobody works for free, and Credit.com is a business that hopes to earn revenue from visitors. The site earns money by selling products (such as credit scores and other credit information) and partnering with other businesses including advertisers and affiliates that pay Credit.com for referrals. A main feature of the site is the free credit score and report card. Is this a scam? Those features are, in fact, free, and you don’t need to provide a credit card to use them. However, the information you get might not be as valuable as you hoped: the credit score is not a FICO credit score (most lenders evaluating your creditworthiness for important loans such as mortgages and auto loans look at your FICO score). Although you don’t get a legitimate FICO score (unless you purchase it from Credit.com or directly from FICO), you can still get some useful information from the credit score and Report Card. In particular, the report card can tell you if there is anything, in particular, holding down your credit score. For example, if you owe a lot relative to your credit limit, your scores will suffer, and the report card can help you notice this red flag. The numeric score you get from Credit.com, based on information in your Experian credit reports, can give you a general idea of whether or not you have “good” or “bad” credit – but again it’s not the same FICO score that most lenders use.