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 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 newer 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 in Are Credit Karma Scores Real and Accurate?)
You also get free credit monitoring for your TransUnion report, a credit factors analysis that summarizes key details from your credit report, 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.
Quizzle offers consumers a free VantageScore credit score, which Quizzle says “is used by thousands of lenders, including the nation’s largest banks, in their credit card, auto lending and mortgage businesses.” It also offers a free Equifax credit report. You can get your free score and report every three months. Like the other sites in this article, Quizzle doesn’t require users to provide a credit card.
When you view your credit score through your Quizzle account, you’ll see how much factors like your payment history and age and type of credit affect your credit score. Quizzle also provides credit card recommendations and home loan recommendations and receives compensation from those companies.
You can get two free credit scores through Credit.com: an Experian score and your VantageScore 3.0. You’ll have to sign up for a free account (no credit card required), and your score is updated once a month. The site also offers a free credit report card that shows how the information in your credit report affects your score and provides tips for improving your score. Credit.com does not sell your data to third parties; it makes money when users apply for offers through promotional links on its website.
There are also credit card companies who will give you a monthly credit score if you have a credit card line open with them. These include Discover, Barclays, First National Bank, Capitol One and Walmart.