Five Ways To Get a Free Credit Score (No Trials!)
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.
Credit Sesame
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
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.
By Jonathan Ping | Credit Cards, Debt | 5/28/12, 4:25am
February 5th, 2008 at 6:17 am
I have the WaMu credit card. My FICO results have huge gaps, like months on end without a score. When I emailed customer service, they emailed me back the generic disclaimer that you don’t always have a FICO score, and it isn’t always available, which makes no sense
Even when it is available, it isn’t your full credit report. The only number that I can see is the amount of revolving debt I have, and I don’t even have that sometimes. It’s just a floating, magical FICO number.
February 5th, 2008 at 8:08 am
It’s important to note these are all for Fako scores, not Fico. Fico scores are the same scores a potential lender sees. Fako scores are that company’s own formula. I’ve had as much as an 88 point difference between the two which tell me Fako scores are meaningless.
February 5th, 2008 at 8:28 am
Nice list of tips and insights. Thanks for this as most of these i didn’t even know about.
February 5th, 2008 at 9:57 am
I will agree that WAMU’s score does not accurately reflect my true FICO. It is consistently 40 to 80 points higher. My understanding is their weighting is reflective of credit card worthiness (which makes sense as that is where they do business). It’s still a useful tool as you can track ups and downs, just don’t take it is gospel.
While not hassle free, you can signup for the free trial at http://www.myfico.com and get a free report from one of the big three (I think it was Experian for me the last time around). You can then cancel w/o a fee. Fat Wallet references that you can sign up for a free trial again after a few months, but I haven’t had the need.
Having gone through a refinance last October as well as being currently involved in another large loan process, I’ve had recent copies from all three reporting agencies that have allowed for comparison to the other “FAKO” scores available to me. As a rule I just lop 50 points off the numbers presented. WAMU’s score as of right now is 48 points higher than my mid-score for January.
February 5th, 2008 at 11:46 am
Thanks for the tidbit…credit reports are easy to get…it’s usually the frequently more valuable credit score that’s more elusive to obtain for free!
February 5th, 2008 at 2:43 pm
Someone sent me an email pitching brightscore.com, I checked it out, and it was a surprisingly a valuable resource.. It shows a credit score (not sure how accurate, but it was +/- 10 points of my equifax score watch), but the kicker is it shows you all your positive and all your negative factors, and the weight they used to get them.. Plus it gives you short and long term tips on how to improve each one.
February 5th, 2008 at 3:42 pm
Wamu actually says the score they give is a FICO score (with the trademark symbol and all). What’s strange though is that I’ve been trying to figure out how to get a free FICO or FAKO score and then you put up the tips…thanks. I just applied for the Wamu credit card and got the approval instantly.
February 5th, 2008 at 3:57 pm
WaMu gives a FICO score, not a FAKO score, they even say its a FICO score from TransUnion right on there website.
February 5th, 2008 at 4:01 pm
The WaMu FICO score is a very valid score because is is credit-enhanced. That is, if you are applying for a credit card, this is the type of score they will be looking at.
February 5th, 2008 at 4:19 pm
Here’s a comparison of WAMU’s scores and scores reported by the big three for December 2007.
My WAMU score was 829, Experian 755, TransUnion 785, Equifax 792.
When I went through a refinance last October WAMU was 844 and my mid was 802.
I had looked into this at one point and recall a reference to WAMU being classified as a PFICO. (FAKO, as in PFIZER? – not really but cute)
Thanks Mike who posted while I was composing this, valid yes, but enhanced with regard to their market and line of business is my take.
February 5th, 2008 at 6:21 pm
I’m pretty sure you can’t use the “FICO” name unless you are pulling a true FICO score, unless you want a team of lawyers knocking on your door.
The problem is that there are even multiple flavors of FICO scores, even on the same credit report data. One might be more focused on mortgage-related defaults, while the other might be focused on auto-loan default rates.
February 5th, 2008 at 6:24 pm
You should only compare the WaMu score with your myFICO score based specifically on your Transunion data, not necessarily your mid-score or average score.
February 6th, 2008 at 8:10 am
Johnathan:
First, thanks for all the awesome info. Question on the LendingClub credit score check, though: how do you do it? Do you actually have to request a loan for it to happen? Thanks!
February 6th, 2008 at 8:14 am
Actually, I think I just answered my own question: yes, but you don’t have to complete the request to actually get the score. (I came out with an A3, a marked improvement on my score from last year, which was 680. The price for being a “ghost” in the system…)
February 6th, 2008 at 11:06 am
There’s one more way to get a free credit report and score absolutely free, and with NO trial.
Go to credit.com and click on the main banner on the homepage, or you can go to the interior page here:
https://www.credit.com/r/credit-report-card/af=p40367
This is the first no strings attached credit score that I’ve seen online. Obviously, you have to provide your personal information and social security # so they can pull your score.
They’re hoping that by providing you your credit score, you’ll take advantage of the products provided on their site.
February 10th, 2008 at 4:48 pm
Thanks for the information. I just wanted to add that the Clear from American Express credit card offers cardholders a free credit report with your credit score once every year, and there’s no annual fee for the card, so that’s another option. Thanks again.
February 16th, 2008 at 1:05 pm
Thanks for the tip on LendingClub. I didn’t much care about the FICO info, but I did sign up to lend and just now received the $25 referral fee. w00t!
February 24th, 2008 at 1:53 am
The Wamu score isn’t real-time. It is updated monthly. It matches my TransUnion score, which is typically the highest. Equifax is mid, and experian is always the lowest score
February 28th, 2008 at 12:18 am
[...] case the last 5 free ways to get your credit score weren’t enough, there’s also the free Credit.com Report Card. It is actually a pretty [...]
March 2nd, 2008 at 10:17 am
I had come across sites like Privacyguard.com. They are not free, but I had once taken their trial and liked it. They provide one a month update from ALL three credit bureaus with details of transactions that may be mismatching among the three.
Has anyone used them? Are there any OTHER sites like them? All help will be greatly appreciated.
Thanks…
March 10th, 2008 at 10:23 am
I’m thinking of opening a WAMU platinum mastercard (credit card).
How good is it?
Is the FICO score worth to get this card?
Can we do the payments online?
Please give me your feedback so that i can decide about opening this credit card.
Thanks
April 22nd, 2008 at 7:20 am
Credit Karma turned goofy – it doesn’t really give you your score anymore.
May 27th, 2008 at 8:56 pm
FICO tailors scores according to the type of business … a real estate lender may get XXX from FICO, a car dealer will see YYY, a credit card app will see ZZZ, etc. WAMU FICO is off the ZZZ variety – it won’t be the same score the car dealer sees. The ZZZ is the only one consumers can get, as far as I know. I would not make a deal on a house or car, if the lender refused to share the score s/he sees.
June 25th, 2008 at 4:05 pm
[...] February, Jonathan at the excellent My Money Blog posted a list of five ways to get a free credit score. None of these require trial periods. These methods don’t tell your actual FICO score, [...]
June 26th, 2008 at 12:27 pm
[...] If you’ve already gotten your free, once-a-year credit report but want to see fresher numbers, CreditKarma, a free credit-tracking site, can give you month-to-month estimates without affecting your score. The score isn’t FICO-based (you can get a free estimate of that), but does offer a free glimpse at how your credit score is faring, based on data from one of the Big Three firms, TransUnion. If you don’t need monthly tracking but just a free look at your estimated score, hit the via link below for four more sites that offer free credit reports with no trial periods, credit card sign-ups, or other painful gimmicks. CreditKarma [via My Money Blog] [...]
June 28th, 2008 at 7:14 pm
If you want the score because you’re in the market to buy a home, visit HUD’s website and click the link for housing counselors. While the quality of the counseling will vary, many of these agencies have access to some great systems. The agency that I run uses a Freddie Mac system that allows us to pull Transunion and Experian at no cost, with scores, and it’s a soft pull, so there’s no impact on the credit score. It also provides us with a report on steps that will improve your ability to qualify for a mortgage and even let’s us know if you are ready to go apply with a lender. We run it for everyone who comes into our office wanting to buy a home. We have access to another system that allows us to pull all three as a soft pull with scores. That system may come with a charge depending on what we are using it for (foreclosure prevention clients get it free).
June 30th, 2008 at 7:20 am
[...] Five Ways To Get a Free Credit Score (No Trials) | My Money Blog (via Lifehacker) [...]
July 11th, 2008 at 9:38 pm
[...] have one and I love it. The free monthly FICO score is the best perk of having this card. Other companies charge nearly $10 a month for the same [...]
September 5th, 2008 at 3:01 am
[...] Score Watchers: This is a follow-up to my popular post on Five Ways To Get Your Free Credit Score … With No Trials!. One of the options, CreditKarma, has re-scaled their proprietary credit score to be in the 300-850 [...]
September 13th, 2008 at 5:11 pm
I know this post is old, but in case anyone stumbles on it, I want to definitely recommend CreditKarma. Their first version turned a lot of people on this blog off (myself included) but it now seems to be very reliable and from what I’ve read elsewhere is, or will soon be, based on the scores from all three companies.
September 15th, 2008 at 8:13 am
[...] There are at least four other ways according to MyMoneyBlog (via [...]
November 13th, 2008 at 2:57 pm
[...] site is mentioned here, and another review here. Filed under: Informational [...]
December 6th, 2008 at 10:32 am
[...] old card (back from when they were Providian) which helps your credit score and it also gave me a free FICO score update each month. Doh! I might call them and see if there is anything that can be [...]
December 21st, 2008 at 5:00 am
This is a huge help for those of us who do not know where to start when it comes to improving our credit score. I want to purchase a home on the distant horizon, so I was thinking I should start doing stuff now to boost my score.
Anyone know what the dif. is between experian, trans, and equifax credit scores and a FICO score?
January 23rd, 2009 at 7:42 am
Beginning March 9, 2009, you’ll access your WaMu credit card information on Chase Online.
As of March 1, however, your free FICO score won’t be displayed. Please consider accessing your credit score details for a *** FEE **** through Chase Credit Builder.
January 27th, 2009 at 6:26 am
I have a Wamu card and love checking my credit score but Wamu is now Chase and as of March the credit score will no longer be available.
January 27th, 2009 at 3:56 pm
i can’t believe chase.
getting rid of that feature. i’ve had this card forever, originally it was through providian bank, which got bought out by wamu, and now has been absorbed into the giant chase, who treats its customers like trash.
looks like i’ll be cancelling this guy. too bad.
February 4th, 2009 at 11:15 pm
Chase just lost me and my wife as customers. We’ve had Providian/WaMu cards for 6+ years because of their free credit score. We also had Chase Platinum cards because of the free double MFG warranty benefit. I’m canceling those out of principle as well. They can afford to make stupid business decisions because they know that the government will mortgage my future income to bail them out if they need it. Someone deserves a multi-million dollar bonus!
BTW, if anyone knows of another credit card that offers a free credit score, please reply.
February 17th, 2009 at 2:48 am
How can chase do that to WaMu Customers. I will cancell it ASAP.
February 17th, 2009 at 11:48 pm
I can’t believe it CHASE take away the free credit score. My wife & I, both have WaMu with free monthly credit score. Now, Chase sucks so bad that they take that feature away. I thought at least they have to give WaMu CC holders a year free credit score or so…. We just keep the card, but won’t use it. Chase sux.
February 18th, 2009 at 2:38 pm
I agree Chase is taking over the Wamu card. Part of the reason Wamu Card is the best because they offer a montly update on your credit score. Chase is a well known company and I can’t believe they can’t even afford to offer this or continue the service free credit score to their customer as they make a lot of money. Talk about Customer Service. I might have to result on closing my Wamu which will be Chase after March 4. Very disappointed.
February 19th, 2009 at 12:45 pm
i am so dissappointed i will be losing the monthly benifit of knowing what my fico was with wamu. I was so lucky to know if something happened to my credit score! CHASE should be offering us what we had before/now becuase WE DIDNT SCREW UP AND CAUSE THEM TO BUY WAMU!
possibly if we complain enough we will be able to make some waves with chase
February 25th, 2009 at 5:54 pm
I’m so glad that I just refinance my house and took out a bit extra to pay off WaMu!!!! I’ve also been looking for another card that offers the free FICO Score updates. I haven’t found one yet. I wish WaMu would have asked their customers before selling to Chase.
Since we’re on the subject of Credit Cards, watch for letters in the mail regarding your other cards. I have had 3 Credit Card Companies jump up interest rates in the last 2 months. One company (Capital One) even jumped my interest rate up by 4% even though I haven’t been late on payments!
February 25th, 2009 at 5:58 pm
Also… If you are trying to raise your credit score… don’t close your account! Your credit score is greatly affected by the length of time you’ve had credit. So, just having the account open helps to raise your score even if you don’t use it! (Suze Orman said this on one of her shows and she is correct!)
March 1st, 2009 at 4:58 pm
The Washington Mutual (WaMu) scores are being discontinued by Chase (which now owns Washington Mutual). Effective March 2009, they will not be available.
March 5th, 2009 at 12:39 pm
Thanks for mentioning the interest rate increases Jean D. Also, credit card companies are reducing the credit lines on accounts will also adversely impact FICO scores. On cards where I’ve had thousands of dollars of credit, now that they’ve been reduced down to their balances it gives the appearance that I’m maxed out my credit on these cards. I had been working hard to pay on these accounts which was slowly improving my FICO score so I could buy a home. Now I don’t know if it will ever happen.
March 24th, 2009 at 7:13 pm
Just cancelled my providian/wamu/chase card (19 years) because no compromise was offered to continu the fico service.
May 26th, 2009 at 6:47 am
cancelling that card lowers your FICO score because it decreases not only your over all available credit, but also the credit history associated with that card…..nice work arie……just leave the no annual fee cards open and use them once or twice a year for small amounts is the best thing to do
August 8th, 2009 at 7:40 am
WAMU used to be free. Since they switched to Chase it is $7.95 a month. I hate Chase!
August 10th, 2009 at 8:48 am
I think we should start an “I Hate Chase” website. A couple weeks ago I called them since I never received a new credit card when they switched over from Washington Mutual. Unbeknownst to me, I was told my account was closed! What the ??? I have a $3K balance and had available credit of $13K. I have not charged on this card for at least seven years as the balance was much higher and I have been consistently paying at least the minimum due, sometimes more, on time, every month for the past 7 – 10 years. I can’t even remember the last time I used my card. The reason – the same as the other credit card companies. “A recent review was done and due to your credit history…blah, blah, blah”. I told him my credit history was right in front of him which showed I’ve consistently paid on my account since the beginning of time and haven’t even used my card for several years. I asked when I was going to be notified and was told a letter would be sent in the next 5 days which was more like 15. I think it’s criminal for them to just close out an account or lower credit limits to your account balance amount so by appearances you looked like you’re maxed out. Now my FICO, that I had been working hard to improve, looks worse than it ever has. I don’t only hate Chase, I hate Citibank and B of A as well! Thank you for allowing me to release all that frustration.
September 17th, 2009 at 1:43 pm
Jeanette,
I feel your pain…I too just had my card cancelled without my knowledge. Called to “activate” the new card they sent me, and found out my account was CLOSED!! But it was BofA!! I had a $20,000 limit. Rarely used the card. I did however use it to transfer balances getting a “deal” rate for 6+ months to get principal down. Now with the caps removed on almost all cards and the % for transferring money up…its really not worth it. It costs you in the long run now. The reason – the same as the other credit card companies. “A recent review was done and due to your credit history…blah, blah, blah”. So, basically they didnt want my business….too bad for them….
December 16th, 2009 at 1:24 pm
Ok… I logged in to CK a few months ago for the first time but would like to get rid of my profile. -Is there a way I can take myself off the CK record? -I’d appreciate your help.
–CK founder, maybe you can answer that?!
January 7th, 2010 at 2:22 pm
the whole problem with this country is that NOTHING is done the smae accross the board. there should not be 3 credit reporting agencies, there should only be one, and these ppl should be accountable for the information the publish, perhaps then things would be much better for the avg person who does not have much money or credit, yet pays on time, all the time. it’s all about money, the more you have the more credit you will be given, the higher your score. BIG FLIPPIN DEAL about the score. it is nothing but someones so called formula to determine your worthiness, they dont know you. infact, if they give you a lower score, and then you get denied credit, guess what, your score just got lowered again, every time you apply for credit, your score gets lowered. I will stick with my emergency credit card all else cash.
June 2nd, 2010 at 7:55 pm
Its completely nuts just trying to get your credit score and bureau. They play so many “games” with you that they are actually “worse” than the “car dealers” themselves. I would love for someone to simply offer all 3 bureaus and scores…ONE TIME PRICE…get it and go!
Does anyone know how I can simply get my 3 fico scores (not something “like” the fico…but the actual score itself? Then get the bureaus…all for a ONE TIME PRICE…no trials..no games.
July 2nd, 2010 at 3:48 pm
I recently (last week) recieved a letter from Chase saying” We have reveiwed your credit report and have decded to cancel your card” I have been with them for years and was holding on to them as my only credit card. I have never been late in paying off this balance. I have a small balance on it approx. 3k with a credit line of 12k. I have not used it in about 3years so I could work on improving my credit score. I guess I will continue to pay with cash and M.O.
Thanks for being here, at least I now know therre are others who have been “Chased Off!”
July 6th, 2010 at 7:49 am
My recent victimization (this could be my online journal) – I received a letter from a credit card company saying they were again lowering my credit limit (which they had lowered last year by about $4K) due to “a recent review of my credit history, blah, blah, blah”. Which is a bunch of bull and was last year because I never missed a payment and paid more when I could. These days you can’t afford to be late anyway because they charge $29.99 – $39.99 as a late fee! I believe they said they relied on info they received from Experian. A couple months ago I paid off a credit card that I had and another credit card said they were increasing my credit limit because of my credit history! Inconsistency at it’s finest. I can not wait until I am out of debt so I can send out a few insulting letters of my own – just as I’ve been receiving from them. It is beyond frustrating. I don’t even have the energy to speak of the outrageous interest rates. We are really being screwed.
August 12th, 2010 at 12:04 pm
Thanks to webnba for suggesting credit.com. I just looked there, and although they don’t give you exact scores, they do give you a range. It’s free, too.
August 13th, 2011 at 9:24 pm
3 years OLD. Please update. WAMU does not exist.
August 28th, 2011 at 11:17 pm
Three comments:
1. WaMu was bought out and taken over by Chase Bank several years ago.
2. I use creditkarma.com, however, this only provides my TransUnion score, which hasn’t been updated (creditkarma.com information that is) since June 2010.
3. Every site I looked at that advertises “free” credit reports and scores is hooked into a trial. I used one of them and after I started my “trial”, I found it very difficult to log back on to the site to request cancellation. Why must I pay for information, which is a matter of public record (practically) that affects my financial future, and how would I know which credit score/report is used by a particular lender/creditor?
August 29th, 2011 at 4:14 pm
I found out my credit score by applying for a business credit card through American Express, registered as a sole proprietorship, not sure if this works for personal credit cards. Either way they sent me a very nice formatted letter denying the card, but were nice enough to include the credit score among other explanations as to why I could not obtain the card
September 29th, 2011 at 7:31 pm
I hated washington mutual as a bank, it just really didn’t work out for me.
September 29th, 2011 at 8:02 pm
Updated!
January 5th, 2012 at 10:27 pm
Digital Credit Union (DCU) sends monthly free FICO report. This is one of the best credit unions that i have known.For example they are currently offering 2.0% apr for new car loans.
January 6th, 2012 at 8:00 am
Don’t forget Quizzle. They give you a free Experian credit score/report twice a year.
January 6th, 2012 at 8:11 am
Weird how much the numbers vary from site to site. Credit Sesame lists my score as 793 while Quizzle (both from Experian supposedly), lists it at 752. With Credit Karma I’m 770, so I guess it’s somewhere in the upper 700s
January 6th, 2012 at 1:08 pm
I like the Equifax one… Everybody should know their credit score. Thanks for the great tips!
January 8th, 2012 at 8:06 pm
CreditKarma recently added another feature that grabbed over 100,00 users in one day. What are your thoughts on FreeCreditScore.com?
January 8th, 2012 at 11:51 pm
@Jeff – Freecreditscore dot com offers a 7-day trial after which they auto-bill you for $14.95 a month until you cancel. The whole idea of this post is to avoid limited-time trials and giving out your credit card info.
January 8th, 2012 at 11:54 pm
Thanks for the information. I understood the reason for the post. Just was wondering what your thoughts were on such a site as FreeCreditScore. I am all about free and keeping my credit card info!
January 10th, 2012 at 8:29 pm
People with the same credit score can have very different credit profiles : more or fewer accounts, a different mix of accounts, a longer or shorter credit history, use of more or less of their available credit, etc.
January 31st, 2012 at 8:58 am
So Glad I stumbled on your Blog! Thanks for the helpful direction!
February 10th, 2012 at 1:20 am
can anyone comment on the accuracy of credit sesame? do they use a FICO score or some other type of score? thanks!
March 21st, 2012 at 10:37 am
Great Website! I was wondering, if I receive my credit reports from annualcreditreport.com, can I still get my actual scores for free on the sites you listed? Or will the second set of inquiries for my scores impact me negatively? In other words, is it free to check your reports and scores separately?
May 28th, 2012 at 4:13 am
@Ricky – Yes, you can always check your own report or scores as many times as you want with no effect on your credit score.
May 28th, 2012 at 8:32 pm
Wanted to let you know we’re in the midst of a refi and the faco scores were almost 100% dead-on for my rela fico scores. we’re talking a difference of 1-2 points.
May 29th, 2012 at 7:00 am
@andrew, Credit Sesame do not use FICO score from what I know; However, their score number is really close to your actual FICO score, so they are worth a try, atleast (they’re free).
May 29th, 2012 at 2:32 pm
I find this issue infuriating, and deserving of Federal regulatory invention as is often proposed (and shot down by Republicans). Elizabeth Warren had great ideas, but somehow her visibility shifted toward the anomalous mention of her native American heritage, but I digress…
Basically, CreditSesame is supposed to be based upon my Experian credit report, which lately has one disputed delinquency concerning a $25 co-pay, and it literally shot down my score by 100 points. (Seriously.) That enough makes a case for broad reform in this stupid system, but more to the point, CreditSesame says there’s no problem, and that my credit is supreme. CreditSesame bases its data on Experian.
Here’s my question: how do you actually get your real FICO score from Experian? I will pay! And this process is ridiculous. I tried myFICO, and the numbers are still wrong. (The only way I discovered the adverse impact of that $25 delinquency is through a refinancing, that fell apart. My true score had always hovered around 780 before that.)
June 15th, 2012 at 10:25 pm
Not a fan of Quizzle anymore?
June 16th, 2012 at 11:49 am
Interestingly my Credit Karma, Credit Sesame and Quizzle Scores were all well into the excellent range, however my Equifax was only “Above Average”. It mentioned that this was due to a lack of different types of credit (I don’t have an car loans or mortgage) as well as a high ratio of retail store credit vs. credit cards.
Being that I don’t have a single retail store credit card I immediately checked my Equifax report, which did not show any Retail Credit Card. It did show that one of my business Credit Cards on my credit report, however the other business card was not there.
-Jared
July 26th, 2012 at 9:06 am
I like this idea, I’m always looking for great things to put on my blog. I will link to this from my site. I don’t have tons of visitors, but it’s a good idea. Thanks
August 2nd, 2012 at 10:15 am
The Equifax link isn’t working anymore, takes me to a $16 thing…
What kills me is that I just bought a car, got a 20k loan, paid 15k over the first week of it, and my credit on Experian went from 799 to 755. Gosh, guess I don’t pay my bills timely enough!
Any other sources for Equifax? It’s the only one I’ve not been able to get free.
August 7th, 2012 at 9:45 am
It does look like Equifax has quietly gotten rid of the Credit Score Card feature. I’ll keep the link up for a little while in case they bring it back.
August 9th, 2012 at 9:21 am
I want thank you for the information about the free credit scores
I had no problem with credit karama and credit sesame but with equifax they want me to offer me a free trial for $19.95 and then I will get my free credit score from them. They told that no credit score is free just a credit report . I spoke to a man named Kennedy on the site . so please if you know something different I like to know. With them it seems like its all about the money not the service
September 1st, 2012 at 8:55 pm
Equifax has discontinued the free Credit Score Card product at the time of this writing, it is unknown if they will bring it back in the future.
September 26th, 2012 at 11:01 am
Thanks for this information. You have helped us a ton!
October 28th, 2012 at 7:52 pm
I just used the Lending Club application, and it gave me an exact score from Transunion (along with a rejection of my application, lol). Thanks for the tip!!!
October 28th, 2012 at 8:04 pm
Prosper Lending also gave me an exact score along with my rejection… perhaps they only give you exact information when your score is low enough not to qualify. That said, I’m only 11 points away from their minimum threshold of 640.
November 4th, 2012 at 4:39 pm
Credit Sesame is an excellent site. Its estimate of my current debt accurate to the cent! It also showed my (alleged) credit score, based on Experian. The site charges $G9.00 for the actual report, though. Thanks for this incredible site!
November 15th, 2012 at 10:42 pm
I have tried most of the websites to check my credit scores. The best TRUE FREE site is CREDITKARMA.COM, you can update your score daily and it shows a ALMOST EXACT credit score as TransUnion. It is free with no credit card required. You can try it to confirm. Although, there are others sites that are free, this website shows the most accurate results. The other sites vary by ALOT (up to 80 points) The only downfall to CreditKarma, is that it does not show all the details (collections or details on accounts). However it does show your open accounts and a near exact score to TRU. This is by far the best free site and information is compiled from TransUnion. TransUnion is the best PAID site by far. I have tried all the other legitimate sites but they are expensive and charge the same as TRU’s 3 Bureau option for THEIR single credit score. Most legit free sites do not reflect the up to date picture of your score. The other top bureaus nickel and dime you for the information. Make sure you select the 3 bureau option with TRU . Make sure you select the 3 bureau option, otherwise you will pay for the single (TRU) report by default. Neither of these sites will bombard you with annoying pop up offers…I love this free site (CreditKarma.com) and TRU is the best paid site. Check them out for yourself.
December 17th, 2012 at 11:36 pm
Equifax Credit Score Card is no longer free, make that 4 ways!
January 3rd, 2013 at 11:25 am
Have u tried creditkarma lately?
After logging with user/passw a word beta is automatically added on the search bar taking u on to an encrypted page.
Is this a virus?
February 23rd, 2013 at 6:29 am
I just signed into creditkarma.com, simple,clear sign in. I got my TU score and a score called Vantage which came with this description: “The VantageScore, which ranges from 501 to 990, is a credit scoring model created collaboratively by the three major credit bureaus: Equifax, Experian and TransUnion. This score aims to make credit scoring more consistent and accurate across all the bureaus. In order to make it more understandable for consumers, the VantageScore grades consumers’ creditworthiness on an easy A to F letter scale. Learn more about different credit scores.”
Maybe someone noticed that the three bureau system is cumbersome.
Thanks for this site, very helpful.