How to get Your Credit Score for Free Online
The credit bureaus are more than happy to charge you for your credit score, but you don’t need to pay if you know where to look. There are two major online companies right now which offer consumers a free credit score based on the information found in their credit reports. To be clear, these are not the FICO credit score, which is the industry standard. But the scores are based on the same data and should be a good representation of your FICO score.
For most people, these score will be good enough to give them a fairly accurate idea of their score and any positive or negative trends over time. In other words, these scores are perfect if you aren’t planning a major purchase in the near future.
Free Credit Score From Credit Sesame — The first company I want to introduce you to is Credit Sesame which offer a free credit scores to all consumers who sign up for their service, and do not require a credit card or other fee. The free credit score is the Experian National Equivalency Score, which based on data from the consumer’s Experian credit report. It is considered to be very close to the more popular FICO credit score.
Free Credit Score From Credit Karma — A similar company is Credit Karma which give consumers a free credit score based on the TransRisk Credit Score by TransUnion, one of the three main credit bureaus. They also offer three additional tools to help you better understand your credit score: Credit Compare, which allows you to compare your score to others, Credit Simulator, which allows you to see how your score may change with certain variables, and a free credit monitoring service, which helps you track changes as they occur and help monitor for identity theft. You can also get your free credit score without a credit card.
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