There are several websites
that can provide you with your credit score absolutely FREE! So don't get
scammed into paying for a credit score check when you can use all of these
sites to do it for absolutely no charge at all.
Credit Karma
Credit Karma provides free
credit scores and reports from TransUnion and Equifax that are updated weekly
(no credit card required). The free TransUnion and Equifax credit scores you
get through Credit Karma are based on the VantageScore 3.0 model. The
VantageScore is a scoring model created by a collaboration among the three
major credit bureaus to create a score that is more consistent from one bureau
to the next and more accurate compared with traditional FICO scores. (Learn more about Credit Karma accuracy.)
You also get free credit
monitoring for your Equifax and TransUnion reports, a credit factors analysis
that summarizes key details from your credit reports, and a free credit score
simulator that shows you how various actions, like adding a new credit card or
increasing your credit line, are likely to affect your credit score. Credit
Karma also offers a free auto insurance score.
Credit Karma does not sell
its customers' information to advertisers, but it does recommend specific
financial products based on your credit profile and it makes money if you open
an account with one of its advertising partners.
Nerdwallet
Nerdwallet offers consumers a free VantageScore
credit score and a free TransUnion credit report. You can get your free score weekly.
Like the other sites in this article, Nerdwallet doesn't require users to
provide a credit card.
When you view your credit
score through your Nerdwallet account, you'll see how much factors like your
payment history and age and type of credit affect your credit score. Nerdwallet
also provides credit card and loan recommendations and may receive compensation
from those companies.
Annual Credit Report
Under Federal law, you are
entitled to a copy of your credit report (not your score) once a year from each
credit reporting company. You can request these through annualcreditreport.com. A good strategy is to pull one from
each of the three credit reporting companies every four months. This ensures
you have eyes on your credit information consistently throughout the year.