Five Ways to Get Your FREE Credit Score (No Credit Card Needed!)

8Knowing your credit score is important, especially if you planning on buying a new home or car.  Many employers and landlords also will check your credit report before hiring you or renting you a house.  Even if your not planning on moving or making any big purchases it is still important to know what is on your credit report.  Checking your report on a regular basis allows you to track changes as well as find errors.

There are tons of sites that offer your credit reports and scores. If your like me, you’ve got halfway into getting your “free” score and then you get asked for your credit card.  It is annoying and unnecessary because there are plenty of legit places online that will give you the information totally free with no credit cards needed.

Credit Score Basics

Your credit score is a three-digit number generated by a mathematical algorithm using information in your credit report.  Base Scores have a 300–850 score range. The higher the score, the lower the risk.  You have credit scores for each of the three credit bureaus: Equifax, TransUnion and Experian. Each Score is based on information the credit bureau keeps on file about you.  As the information in your credit report changes each month, so will your score.

 

Credit Sesame

No Credit Card Required! Credit Sesame lets you see your credit score every month.  The score they pull is based on your TransUnion credit report.  They also offer free daily credit monitoring, either via e-mail alerts or smartphone app. No purchase or credit card required and no effect on your score for using this service.

Now, for a limited time, Credit Sesame is offering $50,000 in identity theft insurance and access to identity restoration help for FREE.

Quizzle

No Credit Card Required! Quizzle offers a free credit score based on your Equifax credit report, updated once every 6 months. They also provide you with a full copy of your Equifax credit report once every six months.  No purchase or credit card required and no effect on your score for using this service.

Credit Karma

No Credit Card Required! Credit Karma offers you two free credit scores, based on your TransUnion and Equifax credit reports.  The scores are updated every 7 days.  They also offer free daily credit monitoring based on your TranUnion profile.  No purchase or credit card required and no effect on your score for using this service.

Lending Tree

No Credit Card Required! LendingTree offers your free credit score based on your TransUnion report.  The score is updated once a month.  No purchase or credit card required and no effect on your score for using this service.

Credit.com

No Credit Card Required! Credit.com offers your free credit score based on your Experian credit report. The score is updated once a month. No purchase or credit card required and no effect on your score for using this service.