Looking For Your Free Credit Score?

A good credit score can save you thousands of dollars on interest rates for mortgages, car loans, credit cards, and more. Try one of these great offers to find out how your credit looks. It’s free!


FreeCreditClick.com
  • Get Your All 3 credit scores (Experian, Equifax, TransUnion)
  • Know exactly where you stand with all 3 bureaus
  • Free 7-Day Trial
  • Credit card required
  • Get Started Now

CreditSesame.com
  • View Your Experian credit score instantly
  • Get personalized loan recommendations
  • 100% Free
  • No credit card required
  • Get Started Now

Since the Fair and Accurate Credit Transaction Act was passed, any American has been able to get their credit report for free at least once a year. However, credit scores have only recently become so commonplace.

In November 2013, FICO started it’s Open Access Program, thanks in part to some encouragement from the government. The channels through which you can get credit score for $0  have been expanding ever since.

And that’s great news for consumers as it’s a well-known fact that lenders use credit scores to help determine your creditworthiness.

Continue reading and I will explain how you can check your 3 credit scores from major credit reporting agencies (TransUnion, Experian and Equifax) for free. I will also share the best way to get your FICO scores.

how-score-is-calculated
Your credit score is calculated using credit scoring model (FICO, for example) based on your credit report data. You can have 3 different credit scores from each credit reporting agency (Experian, Equifax, TransUnion).

What is a credit score and how it’s calculated?

The first thing to know is that credit scores are based on your credit report. In essence, any credit score is an interpretation of your credit report.

Simple enough right?

However, there are hundreds of other credit scoring models out there. So you don’t have just ‘one’ credit score.

I will note here that not all scoring systems are not necessarily equal in the minds of lenders, as the industry has trusted FICO for over 25 years. While many of the alternative credit scores do a great job of approximating lender behavior, a FICO score is the most valuable – 90% of top lenders use FICO Scores. So that’s where we’ll start.

How to Get a Free FICO Credit Score?

You can get your FICO credit scores for free through your credit card company.

Depending on your bank, you can see your scores on monthly statements or inside your online user account.

Here’s a list of popular banks offering  free FICO scores with their credit cards:

free-credit-score-cards

Denied for a loan? You have the right to know your score.

Getting a new credit card isn’t the only way to get your score for free. You have the right to see your current score free of charge whenever you a offered bad loan terms or are denied completely. Simply ask your lender to show your score.

Otherwise, you’ll need to buy your FICO scores from myfico.com. You can choose a score based on one of the three major credit bureaus—Experian, TransUnion, and Equifax.

If you don’t want to pay that much there are also other alternatives that won’t cost you a thing and still offer high-quality credit rating information.

Where to Check Your 3 Credit Scores Free?

FreeCreditClick.com is your best choice. They offer 3 bureau credit scores. Though these scores aren’t FICO, the scores still range from 300 to 850, so they are a really good approximation of where you stand.

This service is 100% free and secure. I’ve been using it since 2013.

To get started, you will need to provide few details about your identity (this should take you no more than 2 minutes). Enter all required information and submit the form. Your 3 credit scores will be available for you instantly.

If you ask me, FreeCreditClick is a great deal. Unlike other popular credit sites, they give you all 3 credit scores –  not just one. This gives you a much better understanding of your credit and it helps you spot errors faster. Get started by clicking the button below.

View your current credit scores as of

Free Credit Score: No Credit Card Required

no-credit-card-score

Don’t want to share your sensitive credit card information while checking your score numbers? I have something special for you.

I prepared a detailed comparison of the 37 most popular credit score websites in the United States. Websites are categorized by name, cost and score type. Take a look!

NoNameScore TypeCostCredit CardEditor’s opinion
1FreeCreditClick3 bureau credit scores calculated using the ScoreSense modelFree 7 day trial, then $29.95 per monthYesI use this service every few months. Why? Because it gives me an excellent idea of my scores across all 3 credit bureaus (not just one, as with other free service). It’s a great FREE alternative to expensive FICO scores ($60). You receive your all 3 credit scores instantly. You can cancel anytime during your 7 day trial. FreeCreditClick gets my best recommendation!
2FICO StandardFICO score based on Experian, Equifax, or TransUnion$19.95 eachYesFICO is the credit score used by a majority of lenders and banks. It’s not free. 3 credit scores from each bureau will cost you almost $60 bucks! However, there is a way to save some money. Simply ask your lender which credit bureau data they’re using when calculating your FICO score. Once you have this information, go check FICO score for that one specific credit bureau.
3Credit SesameExperian National Equivalency ScoreFreeNoCredit 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. Read a more detailed Credit Sesame review at onecentatatime.com.
4Credit KarmaTransRiskFreeNoYou 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.
5QuizzleVantageScore 3.0FreeNoWhen 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 range 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!
6Credit.comExperian National Equivalency Score and VantageScore 3.0FreeNoYou get two credit scores which are updated every month. They have a great user interface that is simple, and website is very easy to use. Recommended.
7Wise PiggyTransUnion Credit ScoreFreeNoThis is another place to check 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.
8TransUnionTransUnion$1 trial for the first 7 days, then you’re billed $17.95 per monthYesThe 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.
9Experian: Vantage ScoreVantageScore 3.0$7.95YesMaybe $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?
10Experian: 3 Credit Scores3 bureau credit scores calculated using the PLUS Score model$39.95YesThis 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.
11ExperianExperian PLUS Score$14.95YesYou 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.
12Equifax Complete™ Advantage Plan3 bureau credit scores based on Equifax Credit Score$19.95/monthYesAlthough 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.
13Equifax Credit ScoreEquifax Credit Score$15.95YesThis scoring model is not popular among lenders and the $15.95 fee is not refundable. I’d stay away from this service.
14Equifax:Credit Score Watch®FICO score based on your Equifax credit file$14.95YesYou 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.
15Equifax: Credit Report with FICO® ScoreFICO score$19.95YesSimilar to the service above, except this one has one payment of $19.95.
16FreeCreditScore.comExperian PLUS Score$1 for 7 days, then $9.95 per monthYesHeavily 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?
17CreditReport.com3 bureau credit scores calculated using the PLUS Score model$1 for 7 days, then $24.95 per monthYesThis is a monthly credit monitoring service. You will get 3 credit reports and 3 PLUS scores.
18FreeCreditReport.comExperian PLUS Score$1 for 7 days, then $19.99 per monthYesAnother credit monitoring service giving you useless Experian score and credit report information but this one’s cool to use! Cancel anytime during the 7 day trial period.
19FreeCredit.com3 bureau credit scores calculated using the CreditXpert model$Free 14 day trial, then $19.99 per monthYesUse 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.
20FreeScore.com3 bureau credit scores. No information about the scoring model used.No informationYesCan’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.
21Go Free CreditTransUnion Credit Score$1 for 7 days, then $17.95 per monthYesGo 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.
22Smart CreditConsumerDirect Credit ScoreFree 7 day trial, then $29.95 per monthYesThey’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.
23Mint3 bureau credit scoresFree 14 day trial, then $16.99 per month.YesZero 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.
24Escore.comTransUnion Credit Score$1 for 7 days, then $16.95 per monthYesFor $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.
25Score MioExperian’s Scorex PLUS® score$17.95 per monthYesCredit 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.
26MyScore.comTransUnion Credit Score$1 for 7 days, then $29.95 per monthYesThis 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.
27eFreeScore.com3 bureau credit scores calculated using the TransUnion model$1 for 7 days, then $29.95 per monthYesYou’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.
28Trans Union PlusVantageScore® by TransUnionFree 7 day trial, then $29.95 per monthYesUnfortunately 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.
29Identity Guard® Total Protection3 bureau credit scores calculated using the CreditXpert modelFree 14 day trial, then $19.99 per month.YesThis 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.
30Trusted ID3 bureau credit scores calculated using the Equifax Credit Score modelFree 14 day trial, then $27.99 per month.YesThis 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.
31Life Lock UltimateTransUnion credit score$25.00 per monthYesLifeLock 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!
32Privacy Guard3 bureau credit scores calculated using the CreditXpert model$1 for 14 days, then $17.99 per monthYesNothing 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.
33Identity Force3 bureau credit scores calculated using the TransRisk modelFree 14 day trial, then 19.95 per monthYesYou 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!
34Privacy Matters3 bureau credit scores calculated using the TransLink model$1 for 7 days, then $19.95 per monthYesThis website won’t even let you register as of April 2014. Stay away.
35True CreditTransUnion credit score$17.95 per monthYesThis page redirects to the official TransUnion credit monitoring offer.
36ReadyForZero PLUS CreditVantage 3.0 from Experian$15.00 per monthYesReady 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.
37MyFreeScoreNow.com3 bureau credit scores calculated using the CreditXpert modelFree for 7 days, then $29.95 per monthYesThey 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!

You Know Your Score, So What Now?

Once you’ve obtained a credit score from a reputable source, match your score up with the credit score scale you fall into.

Now, that you know exactly where you stand you can begin to take action to improve your score if it needs it. Or you may find out that you have a wealth of opportunity available to you that you did not know you had before!

Remember: keep track of your score (after all it’s completely free) but don’t forget to get your free annual credit report as well.

Here’s a short video tutorial explaining how to get your 3 credit reports per year.

Watch it now (it’s only 4 minutes 21 seconds long).

Good luck!