It’s now mid-2012, time for another financial checkup. I took the time this weekend to re-check all my credit scores from all 3 bureaus for free. You probably know about AnnualCreditReport.com for free credit reports. But what about your credit score? If you want some relative comparison of your creditworthiness, here is a compilation of five different ways to grab a free credit score without the hassle of annoying trial offers or a credit card. I repeat: No free trial membership required, no credit card number required, nothing to cancel.
Remember, everyone has three credit scores, one from each of the three major credit bureaus: Experian, Equifax, TransUnion.
Every month, Credit Sesame can offer you a credit score based on your Experian credit report. They also offer tips to improve your score and qualify for a mortgage. Here’s a screenshot of my current credit score.
CreditKarma.com is an ad-supported site that offers you the ability to check your credit score daily, called a Transrisk score, based on your TransUnion credit report. The score range is the same as FICO, from 300-850. You don’t get your credit report details, but you do get a few tips on what recent changes to your credit report have impacted your score.
Equifax Credit Score Card
There are currently no known methods to get a free credit score with no trials based on your Equifax credit report.
However, if you sign up for a free 10-day trial at MyFICO.com, you’ll get a free Equifax credit report and Equifax FICO credit score. You’ll need a credit card. You must call 1.888.577.5978 to cancel, although you may be able to do it online as well. My recommendation is to get your credit report and credit score, print or save to PDF, and then cancel immediately afterward on the same day so that you won’t forget later. Hours (PDT) M-F 6am-6pm, Sat 7am-4pm, Sun Closed.
Prosper Person-to-Person Lending
Prosper Lending provides a free credit grade for prospective borrowers, based on your Experian credit data. If you don’t actually finalize the application for the loan, they will not check your credit. They do offer some good rates on personal loans, if you are looking to consolidate credit card debts. Here’s a partial screenshot of my profile:
LendingClub Person-to-Person Lending
Similar to Prosper, if you start an application to become a borrower at LendingClub.com they will check your credit on your behalf (again, this means it doesn’t hurt your credit score) to find out what rate they will charge you. Instead of a numerical score, you will get a grade like “A2″ or “B3″. Then you can use the table below to determine your credit score range. For example, A2 would indicate a score range of 747-769. It is also based on your TransUnion credit report.
You will need to provide your personal information and Social Security number to these companies, naturally, so be comfortable with that. None of these methods by themselves will affect your credit score as you are requesting them for yourself.