Wells Fargo in 2015 should become one of the major credit card issuer to provide Free FICO Credit Scores to customers every month. Bank of America and Chase Bank have said that they’re considering doing the same — giving free credit scores to customers.

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Free Access to Credit Scores Act — Consumers already have the ability to request their free credit report once a year, but a credit report does not include your credit score. These two items are often confused to be the same, which they are not. You generally must pay to see your credit score — it’s a three-digit grade that predicts how risky you are to a lender.

Most people can get confused when it comes to checking their credit scores. Consumers wonder which credit score should they check, what’s the best credit score website and are credit scores really free? These questions are asked often, but rarely do people find the right answers.

A credit bureau is an information clearinghouse that compiles information on consumers. The credit grantors, or lenders, report consumer payment history to the credit bureaus. The credit bureaus then compile that information together with information on tax liens, bankruptcies, and court judgments that is available in public records. In return, when consumers apply for credit, lenders can check credit reports to determine the creditworthiness of consumers.