Even the smartest people can get confused when it comes to checking their credit score. Which score should you check? What’s the best credit score website? Are my scores really free? These questions are asked often, but rarely do people find the right answers. There is a lot of misinformation on this topic out there, and no single reliable and objective source where you can check and compare all of the credit score websites. Until now!
I decided to do something about this lack of resources and spent a few days of my free time to create this small database. No it’s not perfect, but it will definitely help you make a more educated decision when choosing your free credit score website.
TIP: If you don’t want to be bombarded with credit related offers and just want to see your credit scores then you should use a different email account, one other than your daily account, when you sign up with these websites. This way you will get all of the benefits of these sites while keeping yourself away from spam and unsolicited emails.
|No||Name||Score Type||Cost||Credit Card||More Information|
|1||FICO Standard||FICO score based on Experian, Equifax, or TransUnion||$19.95 each||Yes||FICO is the credit score used by a majority of lenders and banks. It's not free, but it's probably the most useful credit score out there. 3 credit scores from each bureau will cost you almost $60 bucks, but you can save some money. How? Ask your lender which credit bureau data they're using when calculating your FICO score. It's that simple.|
|2||Credit Karma||TransRisk||Free||No||Credit Karma is the leading free credit score website. You get free online access to your TransUnion score. Even if this scoring model is not used by many lenders it is still a good indicator of your credit status. You can also use free credit monitoring (TransUnion only) and take a look inside your credit report card. They're using information about you to recommend credit related products that you may want, such as loans, mortgages, credit cards, and more. They make money when you sign up for the credit related products.|
|3||Quizzle||VantageScore 3.0||Free||No||When you sign up with Quizzle you will receive your Vantage Score and Equifax Credit Report every six months. Vantage 3.0 has a credit score scale similar to FICO (300 to 850) and it's now used by many lenders. Quizzle is very user friendly and easy to use. Try it!|
|4||Credit Sesame||Experian National Equivalency Score||Free||No||Credit Sesame uses Experian data for both credit score and credit monitoring, and you can check it every month. When you sign up and check your credit score they will show you personalized and objective savings recommendations on home loans, credit cards, auto loans, and more.|
|5||Credit.com||Experian National Equivalency Score and VantageScore 3.0||Free||No||You get two free credit scores which are updated every month. They have a great user interface that is simple, and website is very easy to use, however, they're very aggresive with advertising. Be aware!|
|6||Wise Piggy||TransUnion Credit Score||Free||No||This is another place to get your free credit score without entering credit card information. They also give you a credit report card similar to Credit Karma's, where you can see the most important information from your credit report (TransUnion file). It's a good service and a great alternative to Credit Karma.|
|7||TransUnion||TransUnion||$1 trial for the first 7 days, then you're billed $17.95 per month||Yes||The best place if you want to check your TransUnion score and credit report at the same time. When you sign up you will be enrolled into their credit monitoring service. You should contact their support and cancel your subscription within 7 days if you don't want your credit card to be charged.|
|8||Experian: Vantage Score||VantageScore 3.0||$7.95||Yes||Maybe $8 dollars is not that much, but you could better spend it on a good coffee. Why pay for this credit score when you can get it free from other websites?|
|9||Experian: 3 Credit Scores||3 bureau credit scores calculated using the PLUS Score model||$39.95||Yes||This service gives you 3 credit scores and reports from Experian, Equifax, and TransUnion. Scores are calculated using the PLUS score model, an educational scoring model not used by lenders. Consider buying this only if you really need to access your credit reports and can't do so with the Annual Credit Report website.|
|10||Experian||Experian PLUS Score||$14.95||Yes||You get access to your Experian credit report and score. You have an option to pay $14.95 or use $1.00 for a 7-day trial. Be smart, chose the second option and cancel your trial within 7 days.|
|11||Equifax Complete™ Advantage Plan||3 bureau credit scores based on Equifax Credit Score||$19.95/month||Yes||Although the Equifax Credit Score™ model is commercially available to lenders it's almost nonexistent in the marketplace and should be used only for educational purposes. Equifax, Experian, and TransUnion credit reports are included in this service, but you can access them only once every 12 months. You are immediately charged $17.95 when you sign up.|
|12||Equifax Credit Score||Equifax Credit Score||$15.95||Yes||This scoring model is not popular among lenders and the $15.95 fee is not refundable. I'd stay away from this service.|
|13||Equifax:Credit Score Watch®||FICO score based on your Equifax credit file||$14.95||Yes||You get your Equifax credit report twice per year and your original Equifax FICO score when you enroll in this credit monitoring service. You will be charged $14.95 immediately when you sign up. You need to contact their support in order to cancel this service. This is actually worth ordering, since it's cheaper than your Equifax score from the official Fair Isaac Corporation website.|
|14||Equifax: Credit Report with FICO® Score||FICO score||$19.95||Yes||Similar to the service above, except this one has one payment of $19.95.|
|15||FreeCreditScore.com||Experian PLUS Score||$1 for 7 days, then $9.95 per month||Yes||Heavily advertised on TV, this website gives you nothing but your Experian PLUS score. Not only that they charge you $1 up front for the trial period. How is that free?|
|16||CreditReport.com||3 bureau credit scores calculated using the PLUS Score model||$1 for 7 days, then $24.95 per month||Yes||This is a monthly credit monitoring service. You will get 3 credit reports and 3 PLUS scores.|
|17||FreeCreditReport.com||Experian PLUS Score||$1 for 7 days, then $19.99 per month||Yes||Another credit monitoring service giving you useless Experian score and credit report information but this one's cool to use! Cancel anytime during the 7 day trial period.|
|18||FreeCredit.com||3 bureau credit scores calculated using the CreditXpert model||$Free 14 day trial, then $19.99 per month||Yes||Use this credit monitoring service only for educational purpose, their scores are not used by financial institutions. Credit score simulator and identity fraud service included. You have a full two weeks to cancel. This offer redirects to privacyguard.net subdomain.|
|19||FreeScore.com||3 bureau credit scores. No information about the scoring model used.||No information||Yes||Can't even register on this website as of now. They probably make registration pages visible only through paid ads OR their website is not active at all.|
|20||FreeScore 360||3 bureau credit scores calculated using the ScoreSense model||Free 7 day trial, then $29.95 per month||Yes||Even if you get all 3 credit scores with this website I would not consider them very useful, besides being used for educational purpose of course. You can cancel your credit monitoring subscription only by phone. Their customer service is available toll free Monday through Friday at 1-800-972-7204. This company owns dozens of other very similar websites, all offering exactly the same service. The most notable are: scoresense.com,freecreditclick.com, and freescoreonline.com.|
|21||Go Free Credit||TransUnion Credit Score||$1 for 7 days, then $17.95 per month||Yes||Go Free Credit relies on TransUnion data only. They will give you access to your credit report along with your TransUnion credit score. They also give you credit monitoring, but only after the trial period ends.|
|22||Smart Credit||ConsumerDirect Credit Score||Free 7 day trial, then $29.95 per month||Yes||They're using their own scoring model to calculate your credit score, auto score, insurance score, and hiring risk index. Read more in their FAQ. Keep in mind that this score is for educational purposes only and is not used by lenders. The cool thing about this service is that you can interact with your creditors by using "action buttons". You can use this to correct credit reporting inaccuracies or settle debt. There are many limitations on a non-premium membership.|
|23||Mint||3 bureau credit scores||Free 14 day trial, then $16.99 per month.||Yes||Zero information about what scoring model this service is using. Most likely these are PLUS or CreditXpert scores. There's a 14 day trial so you can feel free to give this credit monitoring service a try.|
|24||Escore.com||TransUnion Credit Score||$1 for 7 days, then $16.95 per month||Yes||For $1 you get unlimited access to your TransUnion credit report & score. If you don't need credit monitoring then call them to cancel during the first 7 days. Their number is (855) 703-0259. Use this service only if you need to get access to your TransUnion credit report, you can get your score free of charge elsewhere.|
|25||Score Mio||Experian's Scorex PLUS® score||$17.95 per month||Yes||Credit monitoring that bills your credit card instantly for $17.95 in exchange for your Experian credit report and score. I'd stay away from this website.|
|26||MyScore.com||TransUnion Credit Score||$1 for 7 days, then $29.95 per month||Yes||This is an expensive credit monitoring service. Yes they give you a free TransUnion credit score, but you already know better places where you can get it free of charge. You need to call them to cancel your membership at(855) 331-9531.|
|27||eFreeScore.com||3 bureau credit scores calculated using the TransUnion model||$1 for 7 days, then $29.95 per month||Yes||You're buying 3 educational purpose scores only. Contact their support at (800) 934-1938 during the 7 day trial period if you want to cancel. This website belongs to MyScore LLC.|
|28||Trans Union Plus||VantageScore® by TransUnion||Free 7 day trial, then $29.95 per month||Yes||Unfortunately you can check an old version of Vantage Score here which scales from 501 to 990. Various credit tools are included, so ultimately you can give it a try. You have one week to cancel your trial. This website does not belong to an official TransUnion company.|
|29||Identity Guard® Total Protection||3 bureau credit scores calculated using the CreditXpert model||Free 14 day trial, then $19.99 per month.||Yes||This is an identity theft protection service which offers your credit score as an extra feature. These scores use the CreditXpert model, used for educational purpose only. You have two full weeks to cancel.|
|30||Trusted ID||3 bureau credit scores calculated using the Equifax Credit Score model||Free 14 day trial, then $27.99 per month.||Yes||This service will alert you when there are changes to your credit file. You get triple bureau credit scores and your unique Identity Threat Score, an easy to understand way to gauge your risk of identity theft.|
|31||Life Lock Ultimate||TransUnion credit score||$25.00 per month||Yes||LifeLock helps you get your free annual credit reports, and they use it as their service "benefit". Obviously you can do this easily for yourself. They also say you will get 3 credit scores, but when you're on the order page you see you will get only one credit score per month from TransUnion. Too much confusion and too many false claims from this website. Not even a free trial period available. Stay away!|
|32||Privacy Guard||3 bureau credit scores calculated using the CreditXpert model||$1 for 14 days, then $17.99 per month||Yes||Nothing special about this service. They give you scores and reports based on the data from Experian, Equifax, and TransUnion. These scores and reports are designed to help you understand your credit and are not used by lenders.|
|33||Identity Force||3 bureau credit scores calculated using the TransRisk model||Free 14 day trial, then 19.95 per month||Yes||You get 3 TransRisk scores, and these are not even TransUnion scores. They hide this information from you and make it very unclear what exactly you will be getting. But hey, there's a free two week trial so try it if you want!|
|34||Privacy Matters||3 bureau credit scores calculated using the TransLink model||$1 for 7 days, then $19.95 per month||Yes||This website won't even let you register as of April 2014. Stay away.|
|35||True Credit||TransUnion credit score||$17.95 per month||Yes||This page redirects to the official TransUnion credit monitoring offer.|
|36||ReadyForZero PLUS Credit||Vantage 3.0 from Experian||$15.00 per month||Yes||Ready for Zero is a web based financial tool that helps you get out of debt faster. They update your Vantage 3.0 score once per month. Buy this only if you're in debt already, their tools are actually good.|
|37||MyFreeScoreNow.com||3 bureau credit scores calculated using the CreditXpert model||Free for 7 days, then $29.95 per month||Yes||They don't say strictly what credit scoring model is used to calculate their scores. They say it ranges from 300 to 900, so it's most likely the CreditXpert formula used for educational purposes only. To cancel you must call their support at (888) 548-2008 or send a letter. Sick!|
Here’s what to do stet by step to get your scores free:
Below you will find 3 different and ready to use scenarios, so you can take action right away!
First Scenario: You want to keep an eye on your credit scores. You can easily monitor 3 different credit scores when you do following:
- Sign up to Credit Karma or Wise Piggy for your free TransUnion credit score.
- Sign up to Quizzle for your free Vantage 3.0 credit score.
- Sign up to Credit Sesame to receive your Experian National Equivalency Score.
Second Scenario: You want to know your real FICO score. This is easy when you do the following:
- Ask your lender which credit reporting data they’re using when calculating your FICO score.
- Get your score from the official FICO website for $19.95 each.
- Alternatively you can get your Equifax FICO score for $5 cheaper from the official Equifax website.
Third Scenario: You dont really know what you want. There are lots of trial offers listed above. Check them out, you have nothing to lose. Remember that your scores are just a reflection of your credit file. Checking your credit report will give you much more information and it can help you improve your score when you fix all errors.
Please note that:
- All of the websites listed here will ask for your social security number. The websites simply won’t work without this information because your credit is linked to this number.
- I’m not affiliated with any of these websites. The links below are not affiliate links and I don’t get any money from these companies.
- You can sort table columns any way you want, just click on the column title. For example you can easily see which websites will let you get your score without entering your credit card information.
- Last update time: January 14, 2015