Your credit score is a sensitive number – three digits that can move up or down on any given day depending on how the information in your credit report changes.

Capital One offers a free Trans Union Educational Score.

Unfortunately, there’s currently no free service for monitoring your credit score based on information in your Equifax credit report.

You’ll have to purchase it from Equifax, my FICO, or from another credit bureau as part of a three-credit score package.

Credit Karma updates your Trans Union credit score daily while Credit Sesame delivers monthly updates to your Experian credit score.

If there are changes to either of those credit reports, you can see the subsequent credit score change using the free services.

Some credit card issuers give their cardholders a free FICO score on each month's billing statement.

Discover, First National Bank of Omaha, and Barclaycard all offer free FICO scores each month.

Once your credit report is updated with positive information, there’s no guarantee your credit score will go up.

It could remain the same – or could even go down – depending on the significance of the change and the other information on your credit report.