Have you ever heard of Credit Karma? If not, you should check them out. They offer free credit score tracking. No, it’s not a real FICO score — for that, you’ll need to try a service like MyFICO ScoreWatch — but it still gives you a sense for where you stand. And like I said above, it’s free.
Setting up an account was very simple, though they do ask for some fairly sensitive information including your SSN. This makes sense, as they need to access your TransUnion credit record in order to estimate your score. Since it’s free, they don’t ask for any sort of payment information, and you don’t have to remember to cancel anything.
In terms of accuracy, they seem to do pretty well. In fact, my “official” FICO score is just short of 800 and Credit Karma had me pegged at 777. Another advantage of their service is that they track your score over time and provide you with a graph of the resulting data.
If you’d rather get a “real” FICO score then, like I said above, you should check out the free ScoreWatch trial from MyFICO. But if a reasonably accurate estimate will suffice, then Credit Karma is a great alternative.