subject: Free Credit Score: What is the reality? [print this page] Many people raise the questions about the quality of online report. According to experts, online report is not 100% accurate, but it is capable to provide you the 95-98% accurate figures. At least individual can get the rough idea about the credit history after getting free credit score through online. Accuracy depends on the information you enter in online form. It is advisable to fill authentic details in order to get more accurate information about the score. Debtors can easily remove the negative remarks like mortgage or care dues, credit card late payments etc.