Discover started including customers’ FICO scores on monthly bills and on online accounts in early 2014. According to FICO numbers quoted by Discover, 87 percent of consumers’ credit scores fluctuate from month to month, with changes of as much as 20 points. These monthly credit scores can help customers receive real-time notification of any changes that could signal an error or abuse of their credit.

Start by doing a credit checkup — you can monitor your credit yourself by requesting a free report once a year from each of the credit bureaus through www.annualcreditreport.com but the free report won’t include your credit score, you’ll pay about $8 to get the credit bureau’s proprietary number.

Get your free Wells Fargo credit score and complimentary credit report by visiting any Wells Fargo location to get your personal access code. For more information about this limited time promotion, visit https://www.wellsfargo.com/freecreditscore and take part of the “Get Smart About Credit” program Wells Fargo is offering.

Now through Sunday November 16, 2014 — Wells Fargo is offering customers a free view of their credit scores as well as complimentary credit reports, according to a statement from the bank. This is the third year the bank is offering its Free Credit Score promotion, which more than 800,000 customers have taken advantage of since it first rolled out in 2012.

So, you can get your TransUnion Credit Score for free? You can get absolutely free credit monitoring? These are services that people pay good money for and Credit Karma, a company that isn’t affiliated with any of the credit bureaus, is giving it away for free. Does this sound too good to be true or is Credit Karma a scam?