By Jim Donovan: When was the last time that you checked your credit score? Well if you’re a Wells Fargo customer you can do that for FREE for a limited period of time.

Now through Nov. 15, 2012, all Wells Fargo consumer customers have complimentary, no-obligation access to their credit score and credit report. Customers can take part in this program by visiting a branch and obtaining a unique access code from a Wells Fargo banker. Typically, if consumers wish to check their credit score, they either pay a flat fee or they sign up for a service such as credit monitoring or identity theft protection and pay a monthly fee.

Consumers’ credit profiles affect their ability to borrow and the interest rates they’ll pay. And, lenders aren’t the only people who use credit scores to make decisions – many insurance companies, cell phone providers and landlords, do, too.

So if you’re a Wells Fargo customer, you may want to take advantage of this FREE offer while it lasts.