Special FREE FICO Credit Score for Union Members

As credit becomes increasingly difficult to obtain, it's more essential than ever for you to know how lenders and credit issuers are judging you. Through a special Union Plus limited-time offer from Fair Isaac/myFICO, we're able to offer union members the ability to get their free FICO score online.

More often than not, it's a person's FICO credit score that determines whether he or she can qualify for a loan, and if so, at what terms. Low credit scores could not only cost you up to thousands of dollars a year in additional finance charges, but can also deny you access to insurance, phone service, a rental unit, or even a job.

With the free FICO offer, you can take a proactive step to advance your credit education profile. Many consumers are unaware of how FICO scores influence lending and other important decisions made about them. The FICO score is used by over 90% of the largest US banks to evaluate consumer credit worthiness.

Union members can obtain their FICO score with absolutely no credit card entry or purchase requirements. You will not be enrolling in any subscription program by taking advantage of this offer. Your free FICO score is a one-time offer with absolutely no obligation for future purchase.

Along with your FICO score, you will be presented with up to two factors that most strongly influenced any score reduction and a chart showing where your FICO score stands in relation to other Americans. Also, Fair Isaac will provide links to educational materials that could help guide you to a better economic future.

Get your free FICO score now on the secure, confidential site here.

WARNING: This exclusive offer is ONLY for current or retired union members, and union membership will be verified. Please do NOT forward this offer to non-union members. This offer is available for a limited time, and the limited quantity of free scores is available on a first-come, first-served basis. This offer will end no later than December 17, 2008.

FREQUENTLY ASKED QUESTIONS

1. Why am I getting this offer and is it legitimate?

   Fair Isaac, the provider of FICO credit tools, is pilot-testing offering free FICO scores and they selected the union member population for their test. For a limited time, union members are eligible for a free FICO credit score.

   Union Privilege, the provider of Union Plus benefits, approves this message and is happy to be able to offer union members a free FICO credit score that is not available to the general public. A limited quantity of free FICO scores are available and the scores are available on a first-come, first-served basis.

2. Why do I need to provide my Social Security Number to get my free FICO score?

   Your Social Security Number is used to identify your unique credit file at the credit bureau. The credit bureaus use your Social Security Number in addition to other personal identifying information to ensure that each credit file can only be obtained by the appropriate requestor.

3. How is my information secured?

   The information you provide when you register for and receive your free FICO score is transmitted through a secure sockets layer (SSL) transmission. In addition, information myFICO collects is subject to numerous measures designed to help protect it from unauthorized access or alteration.

   Fair Isaac/myFICO NEVER shares personal information with any third party or uses it for anything other than requesting the credit bureau file.

4. Am I enrolling in anything or required to make any purchases by getting my free FICO score?

   You will not be enrolling in any subscription program by taking advantage of this offer. Your free FICO score is a one-time offer with absolutely no obligation for future purchase.

   While myFICO will follow-up with other email offers, you are under no obligation to purchase anything at any time. You can receive your score for free without providing any credit card information or purchase of any kind.

5. I'm getting a message that I'm not qualified for a FICO credit score. What does this mean?

   To verify your identity and ensure your credit score information isn't fraudulently used, Fair Isaac/myFICO asks several questions that must be 100% accurately answered. If any answer you provide is not an exact match to information on your file, you will be asked to call Fair Isaac for verification. This security measure is for your own protection.

   If you have any problems getting your score, Fair Isaac will provide a toll-free number to assist.

6. How can I get a credit report?

   This free FICO offer is for a FICO credit score. However, you can obtain your credit report once per year at www.annualcreditreport.com (again, at no cost). The annualcreditreport.com site is in no way connected with the free FICO score offer.

For more credit education tips, see the myFICO site here.