Now the the New Reform bill has been passed I noticed creditreport.com offering 2010 free scores. How nice of them? This is a trick they are using to take advantage of consumers who are not educated to the details of the reform and who qualifies for it. When you fill out the application for the free scores you are asked for your credit card information. This means it is not free but a free TRIAL credit score. Once the trial ends your credit card will be automatically charged. Consumers must be wary of these free credit score offers.. Free credit scores will be offered to those who are denied, or charged higher rates, for funding or credit cards. The Reform will not go into effect until one year after the date it was signed.