While Equifax is now offering credit scores to consumers for a fee, CA-based E-LOAN has resumed giving away the scores with analysis. In addition to the free service, when the consumer applies for a loan they receive a more detailed report that recommends very specific actions they can take and the potential score increase associated with taking those actions. E-LOAN has partnered with CreditXpert to make these credit scores and analyses available. E-LOAN started providing ‘FICOÂ®’ credit scores in Feb 2000 free of charge to consumers via its website. More than 25,000 borrowers logged onto the site to access their scores before credit reporting agencies forced an end to the practice. Since then E-LOAN has actively lobbied for consumers’ right to access credit scores and helped pass the ‘Figueroa’ bill in California. !