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Get Your Credit Score For Free - Don't Pay For It

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    Get Your Credit Score For Free - Don't Pay For It

    Some companies want to charge you to access your credit score, or they want to charge you for credit monitoring. Don't waste your money - there are plenty of sources for getting free credit scores.

    Here are four websites to check.

    CreditKarma
    https://www.creditkarma.com/
    Credit Karma will give you what is known as a Vantage Score. This can differ slightly from a FICO Score. Both methods of calculating credit are pulling data from basically the same set of factors, but they weigh it differently to determine your score. Here is a link to help better explain the difference: https://www.creditkarma.com/advice/i...score-vs-fico/ Sign up takes five minutes.

    AnnualCreditReport
    https://www.annualcreditreport.com/index.action
    AnnualCreditReport.com will give you your credit report data from the three major credit reporting agencies. Transunion, Equifax, and Experian. The reports will show hard and soft pull data. You can look at your data once annually for free. Here is a link to help understand the difference between a hard and a soft credit pull: https://www.experian.com/blogs/ask-e...credit-report/ Sign up takes about 10 minutes. It won't give you the credit score per say, but its still useful to see how you're doing.

    Discover Credit Scorecard
    https://www.discover.com/?ICMPGN=PUB_HDR_HOME
    Discover will give you your Experian FICO score and credit report. You don’t have to be a Discover customer or have a Discover card to use this service. Sign up takes about 15 minutes.

    LexisNexis Consumer Disclosure
    https://consumer.risk.lexisnexis.com/
    Not a credit report, but more of a background check. Lenders, employers, and landlords will often use the data complied here to determine the risk of a potential candidate. Information concerning late payments on loans, evictions, and criminal records will often be stored here. However, the captcha can be quirky, so work on this one last.
    Last edited by james.hendrickson; 12-20-2019, 09:05 AM.
    james.c.hendrickson@gmail.com
    202.468.6043

    #2
    Originally posted by james.hendrickson View Post
    AnnualCreditReport
    https://www.annualcreditreport.com/index.action
    AnnualCreditReport.com will give you your credit scores from the three major credit reporting agencies.
    Do they give your score or just your report?
    Steve

    * Despite the high cost of living, it remains very popular.
    * Why should I pay for my daughter's education when she already knows everything?
    * There are no shortcuts to anywhere worth going.

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      #3
      As near as I can tell, both.
      james.c.hendrickson@gmail.com
      202.468.6043

      Comment


        #4
        Originally posted by james.hendrickson View Post
        As near as I can tell, both.
        Nope. "Your free annual credit report does not include credit scores."
        Steve

        * Despite the high cost of living, it remains very popular.
        * Why should I pay for my daughter's education when she already knows everything?
        * There are no shortcuts to anywhere worth going.

        Comment


          #5
          Pretty cool that Discover gives your FICO score for free even if you aren't a Discover customer. That's a great feature. I'm sure they are marketing your info somehow, but isn't everybody?

          We get our scores every month on our Discover CC statement, though we've been watching them steadily drop since we paid off our mortgage. We're down about 30 points since August when we paid off the loan.
          Steve

          * Despite the high cost of living, it remains very popular.
          * Why should I pay for my daughter's education when she already knows everything?
          * There are no shortcuts to anywhere worth going.

          Comment


            #6
            Many banks / CC / or even MINT give you your score on their websites.
            The Mint one gives you a list out listing any inquiry or balance and any late payments or comments on your credit report.

            Comment


              #7
              Amex just started offering some kind of credit score product too
              goodcheddar.com

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