Checking your credit score for most Americans is a task we wish we could skip. With so many companies to choose from you can be lost trying to find the perfect score checker. Not to mention, most of us don't want to deal with the extra fees and costs.
Because of this, we have comprised a list of three websites that will allow you to check your credit score for free. For those who don't know, your credit score is a number it's basically a company that compiles your consumer credit information and then resell this information to other businesses as a credit report. In the United States, the three major credit bureaus are Experian, TransUnion, and Equifax. If you have made purchases and paid bills in the U.S., chances are, one of those three companies already has your information.
Get your Free Credit Score with Free Scores and More
Freescoresandmore is a great tool to check your credit scores from the three major credit bureaus. In order to access your score, you have to sign up for the free trial. The great news is that the trial lasts 30 days and you can cancel at any time. However, in order to sign up, you have to give them your credit card information. To reassure you that the trial is free, they will not charge you until after the 30 days. In addition to obtaining your 3 free credit scores, you can also set up credit monitoring and automatic alerts from all three bureaus. If after 30 days you decide you want to stay, the service is relatively cheap at $14.99 per month.
Monitor Your Score and Personal Information with Identity Guard
Just like the service above, Identity Guard also offers a 30-day free trial. The great thing about Identity Guard is, signing up for the free trial gets you not only your credit score but your credit report as well. The report and score are based on information gathered by all three credit bureaus over the years. Identity Guard offers 3 products, but we will only focus on two. The first plan is Total Protection, which will provide a wide variety of service. The second is the Platinum plan which provides virtually the same service as Total Protection. The key difference between the two is how often you will receive your credit report. The Total Protection plan will send your credit report quarterly, whereas the Platinum plan will send your credit report monthly. Along with your credit report and score, Identity Guard will also monitor your social security number, bank account takeovers, lost wallet protection, keyboard password encryption, $1 million in identity theft insurance and more. By far one of the best tools in the market with prices ranging from $16.99-$19.99 per month.
Keep Track of Equifax and TransUnion Scores with Credit Karma
Credit Karma is a pretty well-known site and even has a few commercials. It's definitely a good tool to check your credit for free, however, there is one drawback. Credit Karma only offers your credit score for Equifax and TransUnion. Although they leave out Experian, they still have other services to offer. For example, they also offer credit monitoring services such as alerts on unusual activity and new information that affects your credit score. Another great service they offer is free tax filing. Yes, you read that correctly, Credit Karma allows you to file your taxes with them free of charge. Although they don't offer credit scores for all three bureaus, the services they do provide makes them a great tool to use.
Get Your Free Experian Credit Report from Credit.com
Like Credit Karma, Credit.com is completely free and has no hidden charges. In addition to your free Experian credit score, other services like a free Experian credit report and identity theft protection. For customers who are looking to learn more about credit, they also offer many resources where customers can learn more. For example, they offer tips on how to rebuild your credit and they even have credit cards you can apply for. Although solely for Experian, I definitely recommend if you have other credit areas that you are interested in.
What Makes The Difference?
These days, checking your credit score can be such a daunting task that it scares many people away. However, we also know that we need to constantly be aware of what's going on with our credit score. For most people, the cost of checking your credit score and the process doing it turns them away. The key differences between the credit monitoring services listed above is not just what kind of features you get for the money, but also what credit bureaus they check and what score you get. At the end of the day though, the most important thing is the data being reported and it's vital that you dispute any inaccurate information immediately.